Online Banking Guide

Welcome to the Online Banking preview course.

Online banking gives you the ability to check your personal account balances, view your transaction history, make payments on loans, set alerts, and more.

Throughout this course use the pause button to pause this video if you would like to review a few of the features of Online Banking. If you choose to pause the video remember to click the "Play" button when you are ready to continue.

Let’s begin by logging on:

Upon logging on, you have multiple resources available. The initial view will be of all of your accounts.

To the left multiple options are available which will allow you to transfer funds, sign up for mobile banking, change your account preferences, and correspond with the bank.

The Account Summary screen is the landing page for the Online Banking system.

It displays a general overview of you accounts as well as notifications, Account Summary options, and financial tools.

Selecting an account, displays the selected accounts running balance for the last 30-days, along with any checks and their images.

If you are searching for a transaction that is past the 30-day window, a filter transactions option is available to change the displayed transactions.

Additionally, the Search option gives you the ability to search the displayed transactions using keywords or amounts.

To the right, Account Summary and Display Options are available letting you quickly transfer funds, change the account that is being viewed, or reset the display.

Nest lest take a look at the Accounts Menu:

The Accounts Menu displays 3 options.

The Account Summary is used to navigate you back to the landing page.

The Transactions search option is used to search for transactions in a variety of categories, and multiple accounts if applicable.

The Account Alerts option, allows you to view alerts that have already been established, along with create new alerts, and edit the time text alerts will be sent.

Alerts can be set based on an account balance, CD maturity date, loan payment due date, or pending transactions.

Next let’s look at the Transfer option:

With Online Banking you have the capability to transfer funds, make loan payments, create transfers to an external account, and view transfer history.

Simply select the account the transfer is originating from, going to, and the amount.

Notice that if your financial institution allows external accounts, there will be an additional heading in the drop down.

Next, select the frequency for this transfer.

Multiple options display, giving you the ability to create a single transfer, a one-time future transfer, or a schedule recurring transfer.

When you select the "Future Scheduled" option, additional fields display allowing you to indicate how often to process the transaction along with the beginning and ending date.

Additionally, if the date you select falls you a holiday, you have the option to indicate if the transfer will occur the business day before, or after the holiday.

If the transfer type selected is for a Loan Account, select the type of payment.

Options display based on your financial institution.

If desired, enter a description in the "Memo Field".

Next is the Bill Payment option:

This option will only display if your bank offers Online Bill Pay.

This option will give you the ability to navigate to Bill Pay, along with update Person and Account Information.

The next option, Text Banking, is used to sign up for Text banking.

Text Banking gives you the ability to receive summary information and balances for all enabled accounts.

It also allows you to message directly with a designated bank contact, along with receiving summary and balance information for specified accounts, via text message.

The next option, Cash Management, will only display if your financial institution offers a Cash Management solution.

Access to this option is based on permissions established at the financial institution level.

Cash Management allows you to create and manage ACH transactions directly within Online Banking.

The preferences menu is used to establish and maintain security and internet options for Online Banking.

These options include maintaining the login name and password, along with the ability to give accounts a friendly name, or create secondary users.

The last option, Correspondence, displays any recent messages form the bank.

When selected, the full message displays.

For additional questions regarding Online Banking, or to sign up please contact a representative at your financial institution.

Congratulations, you have successfully completed this training.

Welcome to the Online Banking – Security Preferences chapter

The Preferences menu contains security and internet banking options. This course covers the Security section. The Customer Preferences option displays your current customer preferences, including your customer number, login name, email address, phone numbers and your access level.

Use the Change Security Contact option to view, add, and delete your contact methods. This is the same screen you viewed and completed when first signing up for online banking. To delete an existing contact method, click the "X" in its row.

Then, confirm the deletion of this contact method.

To add a new contact method, click the New Contact Method link and then enter and confirm the contact information. Enter the code that was provided. The Resend button is available to resend the code if it was not received.

The Change Login Name option allows you to edit the name you use when logging into online banking. To update the name, simply enter it in the Login Name field, and then click the Submit button. Please note that the login name can be up to 15 characters in length. Once you save a new login name, you MUST use that name the next time you sign into online banking.
The Change Password option on the Preferences tab can be used to create a new password. Please note that passwords are case-sensitive. Any password requirements will display on this screen. To change your password, begin by entering your current password.

Next, enter the new password and confirm it. Click the Submit button to continue. Your new password is now active and should be used the next time you log into online banking.

Congratulations. You have successfully completed this training. 

Welcome to the Online Banking - Accounts Chapter

The Accounts Summary screen is the landing page for the Online Banking system. It displays a general overview of your accounts, as well as notifications, account summary options, and financial tools. Keep in mind that the options that display on this screen vary by financial institution. Use the View Options menu to change the view of the screen. The default view displays large tiles for each account, while the list view option displays the accounts in a list format. Notice that your accounts are grouped on this screen based on the type of account. For example, checking, savings CD, and loan accounts each display in separate sections.

Next, let’s look at the options available from the Accounts tab:

The first option, Accounts Summary, directs you to the screen we are currently viewing. Transaction Search provides a way to filter transactions by date, check number, amount, category, or a combination of these items. Use the next portion of this screen to select the account, or accounts, you would like to search within. Click the check boxes for individual accounts or click the checkbox at the top of each section to select all accounts in that section. When you are finished selecting accounts, click the Submit button. Transactions matching the search criteria display. If there is a check image associated with an item, the check icon can be clicked to view the image. Use the Search field to search within the listed transactions for a keyword or amount. The search results can be exported or printed. Clicking the Cancel button returns to the Transaction Search screen.

Another option from the Accounts tab is Account Alerts:

This screen allows you to create and maintain alerts notifying you of specific account information or activity. For example, this customer will receive an email alert when the account ending in 3344 has a balance less than 1,000 dollars. To create a new alert, click the Create New Alert link. Begin by selecting the type of alert. This allows you to receive an alert when an account balance is greater than or less than a specific amount, when a CD maturity date is near, when a loan payment due date is near, or when pending transactions exist. Each alert type has a field for you to enter a name to help identify the alert. Each alert type also has a field for you to indicate which account number should be attached to the alert. The next fields that display on this screen vary based on the type of alert that was selected. Complete these fields to establish the alert. Next, indicate if an email and/or text message should be sent. Please note that in order to use the text option, mobile banking registration must be completed. If it is not, this option may not be selected. Also, notice that alert emails are NOT encrypted. Because of this, please do not include any private information in your alert name. The next button controls whether this alert is active or inactive. Click the button to change the status to Inactive. Click the Submit button to save this new alert. The Options link allows you to edit the selected alert or delete it. Let’s return to the Accounts Summary screen.

Additionally, you can view account details by simply clicking on an account:

This displays transaction history for the selected account. Click the View Account Details button to view additional information regarding the selected account. The fields on this screen will vary based on the type of account, such as due dates for loan accounts and interest information for interest bearing accounts.  By default, the transactions display in date order and a running balance is available in the Balance column. Transactions can be sorted by clicking the headings in the grid. For example, let’s sort based on the type of transaction. Clicking a heading once sorts it in ascending order. Clicking a heading a second time sorts it in descending order. Notice that the Balance column, which contained a running balance, no longer displays when the sort order is changed. The Filter Transactions link can be used to filter the transactions that display in the grid. This allows you to filter for a specific type of transaction and date range. Click the Reset Display option if you would like to clear the filter. The search field is also available on this screen and functions the same way as previously discussed.

Let’s return to the Accounts Summary screen.

Congratulations. You have successfully completed this training.

Welcome to the Online Banking – Transfers chapter

Use the Transfers menu to Create or view transfers between accounts. Let’s start by creating a transfer.

CA: Highlight the options, then click New Transfer.

Begin by selecting the From and To accounts:

The available balance of each account displays next to these fields. Next, enter the amount of the transfer. Use the Frequency field to indicate if this is an “immediate one time” transfer, a “future one time” transfer, or a “future scheduled” transfer. If you select the “Future One Time” option a “Process on” field displays. Enter the date that this transfer should occur and then choose whether it should process before or after the scheduled date if the date falls on a holiday. If the “Future Scheduled” option is selected indicate how often this payment should process using these fields. We will use these fields to set up a scheduled transfer to a loan momentarily. For now, let’s set this up an “immediate one time” transfer. You have the option to enter a memo to describe the transaction. This field is not required.

Next, click the Continue button.

Review the information for accuracy, and then click the Continue button when you are ready to complete the transfer. Notice that an Edit button is available if needed. This button allows you to return to the previous view and update the transfer. A confirmation number now displays. You have the option to print this information if needed. Let’s create another transfer. This can be done by using the Transfers menu, or by clicking the Create Transfer/Loan Payment link. This time, we will create a “scheduled recurring” loan payment. Please note that if your financial institution allows you to transfer to or from external accounts, meaning accounts from a different financial institution, those accounts will also be available for selection on this screen. Notice that when a Loan account is selected, the regular payment amount displays next to it. Please note that this is only the case for loans you have through this financial institution, not for external loans. 

Next, indicate the type of loan payment. Again, review the information and then click the Confirm button to continue.

If your financial institution allows you to transfer to or from external accounts, meaning accounts from a different financial institution, use the External Funds Transfer Accounts screen to set these accounts up. If external accounts already exist, they display on this screen. To set up a new external account, click the Create External Transfer Account option. Use this screen to enter the required information for the account. Use the Account Type field to specify if this external account is a checking, savings, or loan account.

Click the Submit button to continue.

If this is a checking or savings account, a message from your financial institution will display, indicating that additional steps must be completed. The new account displays on the list. Notice that this account is awaiting approval from your financial institution. Once it is approved the status will display “approved and awaiting confirmation.” Once the two small deposits are made into this account you will see an icon on this screen that, when clicked, will allow you to input the small deposit amounts. This will confirm the account, and you will then be able to transfer from and to it on the Transfer Funds screen you saw earlier. Hover over the Transfers tab.

Next, let’s quickly review the View Transfers option.

This screen allows you to view pending transfers and transfer history. The Options link next to a pending transfer allows you to view the details of the transfer, or to edit, copy, or delete the transfer. The Options link next to a transfer history record allows you to view the details of the transfer, or to copy the transfer.  You also have the option to send a message to your financial institution from this menu.

Congratulations. You have successfully completed this training.