A Quick and Easy Guide to PERSONAL ONLINE BANKING

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1 A Quick and Easy Guide to PERSONAL ONLINE BANKING

2 WELCOME Whether you re at home, at work or on the road, BancFirst is available 4 hours a day, 7 days a week with Personal Online Banking. These services allow you to decide when and how you want to interact with us via telephone, ATM, or online. This guide will answer your questions about how Personal Online Banking works and how easily you can manage your finances online. Welcome, and we hope you enjoy BancFirst s Personal Online Banking. Security Personal Online Banking Overview Getting Started Logging In Home Page Account Details Move Money Manage Money Notifications BillPay Overview Add a Biller Make Payments Recurring Payments Modify Payments History My Settings Additional Services Support Quick Steps

3 SECURITY Depend On Us For Security At BancFirst, there is nothing more important to us than keeping your financial transactions private and secure. Personal Online Banking security is ensured by the use of multiple protection measures that work together to create a safe and secure environment. Let s take a quick look at the security measures at each stop along the way. Security At Your Computer Good protection starts at home, in the office or wherever you access your accounts online. Security at your computer includes making sure no one uses or has access to the computer without your permission. Passwords should not be selected from obvious clues like the names of your children or pets. Securing Data As It Travels Across The Internet When you log in to Personal Online Banking, our computers verify your web browser software (Microsoft Internet Explorer, or Firefox ) can communicate using a 8-bit encryption key. From behind the scenes, BancFirst is utilizing cutting-edge security protocols to protect you and your finances online. During your online session, BancFirst will generate and assign you a random numeric key via SSL technology that allows you to navigate safely and securely within Online Banking. Additionally, once your information reaches the bank via the Internet, it passes through multiple firewalls acting as a safeguard for Internet traffic. Personal Online Banking 3

4 SECURITY Enhanced Login Security In addition to your personal password, BancFirst provides additional security measures with Enhanced Login Security to strengthen the safeguards in place at login by adding steps to verify your identity. Part of this identification process includes recognizing the computer you normally use to access Personal Online Banking. This information, along with your normal login details, is incorporated into your online identity profile. When you log in, you ll enter your User ID and Password. If you are using a computer that has been enrolled in Enhanced Login Security, that s it! No other steps are needed. If you choose to log in from a computer you don t normally use, you will be prompted to receive and enter a one-time passcode (OTP). Automatic Sign Off If you have to step away from your work station for even a few minutes, be sure to always sign off from your session. For further security and peace of mind, in the event you forget or are unable to sign off, BancFirst will automatically end your Personal Online Banking session if there is no activity for an extended period of time. To resume a timed-out session, you will need to repeat the login steps. System Requirements Personal Online Banking can be accessed from any Internet-enabled computer and a secure web browser such as Microsoft Internet Explorer or Firefox. If your computer operates with Microsoft Windows, or Apple OS, you probably have all the software that is required. 4

5 PERSONAL ONLINE BANKING OVERVIEW With Personal Online Banking, you can: View updated balances and transactions for all your accounts, including account history. Transfer funds between your BancFirst accounts anytime of the day or night. Manage your money easily by exporting your account information to Quickbooks or Quicken. Aggregate your accounts from multiple financial institutions using FinanceWorks. Personal Online Banking 5

6 GETTING STARTED»» Open your web browser and go to For more information about the services available from BancFirst, simply move your cursor over a menu topic to reveal its submenu options. 3»» To begin banking online, select Personal Online Banking from the drop-down menu, then click Go

7 LOGGING IN When you select Personal Online Banking from the homepage, the login screen will display.»» Enter your User ID and Password, then click Login to begin banking online.»» If you have not registered for Personal Online Banking, click the Register Now button to begin the registration process. If we don t recognize the computer you usually use for Personal Online Banking, you will be prompted to receive and submit a one-time passcode. NOTE: As a security measure, if you or someone attempting to gain access to your account uses an incorrect User ID and/or Password five times in a row, your account will be locked. Contact us to have your account reset. Personal Online Banking 7

8 HOME PAGE 4 3 Once you log in to Personal Online Banking, the first screen displayed is the Home Page. Not only does it serve as an access portal to all the features of Personal Online Banking, this screen displays a quick view of your deposit and loan balances, as well as allowing you to transfer funds between accounts.»» Click one of the topics in the navigation menu to navigate through Personal Online Banking. The submenu links will change based on the topic selected.»» For security purposes, the date of your last login is noted near the top of the screen.» 3» Click the Account Name to display the detailed history for a specific account.» 4» Use the Make a Transfer feature to easily transfer funds between your accounts. 8

9 ACCOUNT DETAILS 3 4 When you select an Account Name from the Account Summary screen, a detailed listing of your Account History will display. For most check deposits, you will have the option to click the check number to view images of the front and back of your check.»» To sort transactions by date, check number, transaction type or amount, click here.»» View transactions from different date ranges by clicking here. 3»» Select Change Account to view another account. 4»» With the Export feature, you can download transaction history to your computer in a format compatible with QuickBooks or Quicken. Personal Online Banking 9

10 MOVE MONEY It s easy to transfer money between your BancFirst accounts. With the Transfer Funds feature, you can control when and how often money will be transferred. To begin, click Move Money in the navigation menu, then select Make A Transfer.»» Enter the transfer amount.»» Select the account to transfer funds FROM and TO.» 3» Click Transfer Funds to confirm the details of the transfer on a secondary screen

11 MANAGE MONEY 3 Get a complete view of your financial picture with the FinanceWorks money-management tool. This tool makes it easy for you to track spending, make a budget and export account information to formats compatible with your financial management software like Quicken or Quickbooks. 4»» Get a quick look at your linked accounts on the left. You can add accounts from the search bar here.»» See where your money is going with specific budgets and spending categories.» 3» Create alerts and reminders to help stay on top of your finances.» 4» Print a copy here. Personal Online Banking

12 NOTIFICATIONS With Personal Online Banking, you can have an sent to you every time your account reaches a specified limit, when a specific check clears or when a payment is coming due. The Notifications feature 3 will help you stay up-to-date with your finances. To begin, click Additional Services in the navigation menu, then select Mobile Banking Alerts.»» With Personal Online Banking you can access Mobile Banking and Alerts, Stop Payments, estatements and other Products and Services from the Additional Services tab in the main navigation.»» To quickly add a notification, check the box and select the account you wish to be notified about. 3»» Enter your notification amounts, then enter the address that you would like your notifications sent to. 4»» Create advanced notifications with this drop-down menu

13 BILLPAY OVERVIEW Online BillPay offers you convenience, cost savings and best of all, time savings. Now you can pay anyone in the U.S., from your power company to your babysitter, without ever writing another check. The Payment Center allows you to view recent transactions, view new messages and schedule new payments. To begin, click Bill Pay in the navigation menu.»» Choose from the Bill Pay menu options to manage your bills online.»» The Payment Center shows an overview of your bills, including any e-bills that are due. NOTE: You may not use Online BillPay to pay governmental fees such as taxes or court-directed obligations such as alimony or child support. Personal Online Banking 3

14 ADD A BILLER Before making your first payment online, you must set up one or more designated bills. A biller can be any person or company to whom you would normally send a check. You can search our database for commonly paid billers with as little information as the biller s name. Click Add A Company Or Person To Pay from the BillPay menu to begin.. Enter the biller s name, or choose a type of biller.. If we don t find your biller from our database of commonly paid billers, you can enter the name manually and click Search. 4

15 ADD A BILLER If you are paying a biller not listed in our database, you must add them manually. Click the Other Company information for your bill link to fill in the biller details. The system will save the contact information for future payments, so this only needs to be entered once. You can update and edit bill information from the Manage My Bills screen.»» Add all biller details to your new biller.»» Click Add Bill to verify the biller information on the secondary screen. Personal Online Banking 5

16 MAKE PAYMENTS The Payment Center enables you to enter one or all of your bill payments from a single screen. Billers that are set up for automatic payments or that provide electronic bills, are designated with a corresponding icon. Click Payment Center from the BillPay menu to begin.»» The Pay From section will let you know which account is funding your payments.»» Enter the Amount for each bill. If no payment is to be sent to a listed biller, leave the field(s) blank. 3»» The earliest possible Pay Date (date the biller will receive payment) will automatically prefill. You may manually select a later date if desired. 4»» Click Make Payments to submit all entered payments. 5»» The payments will display in the Pending Payments section of the Payment Center. 6

17 RECURRING PAYMENTS 3 Never miss a due date when scheduling an automatic payment for your bills. You can save time by setting up automatic payments for bills that occur on a regular basis for a specified amount. Click Manage My Bills from the BillPay menu, then select the Biller for which you would like to add an automatic payment.»» Select Add an Automatic Payment from the options listed for your biller.»» Complete all the fields, including the Payment Amount and Frequency. 3»» Enter your Address and the type of s you would like to receive. 4»» Click Set Up Payment to save your payment changes. 4 Personal Online Banking 7

18 MODIFY PAYMENTS Even after you have scheduled a payment, you can change or cancel a payment up to the time it is processed. This convenient feature gives you the freedom to change the way you make your payments. You can access this feature through the Payment Center, under Pending Payments.. From the Pending Payments section of the Payment Center, click the link to Change or Cancel the payment.. Edit the information as needed and click Save Changes Click Cancel this payment to delete the payment

19 HISTORY Each time you login, you can view your most recently paid bills under the Recent Payment heading on the Payment Center. To view history details for payments up to 4 months, click the View Bill History link at the bottom of the Recent Payments section. You can also choose Bill History in the BillPay menu from any screen.»» Choose from the view options to display a different payment history range.»» Click here to print a copy of your bill history or to save it for your records.» 3» Sort your payment history by clicking any column heading. 4»» View additional details for pending and paid transactions »» Download your account information for easy reporting by clicking here. Personal Online Banking 9

20 MY SETTINGS If you need to make changes to your Personal Online Banking experience, select My Settings from the navigation menu to update information affecting your session and personal information. It is important to keep your address up-to-date if we need to notify you.. Rename or hide accounts.. Add or update security options to setup OTP delivery channels Change your Password with this link. 3 NOTE: It is highly recommended that you change your User ID and Password on a regular basis. 0

21 ADDITIONAL SERVICES NEED NEW IMAGE With Personal Online Banking from BancFirst, you can access additional convenient features to save you time. Open the Additional Services drop-down menu and click the Products & Services link for instant access to: FinanceWorks TurboTax for Online Banking Secure Forms Check Reorder Personal Online Banking

22 SUPPORT At BancFirst, help is only a click away. While online, you can send a secure message or call us directly at and speak with a Customer Service Representative. (405) Central Oklahoma Toll-free from anywhere

23 QUICK STEPS Logging In. Log on to the Internet and go to Select Personal Online Banking from the drop-down menu and click GO. 3. Enter your User ID and Password. 4. Click Login to begin banking online. If you re using a computer you have not registered with Enhanced Login Security, you will be prompted to receive and enter a one-time passcode. Paying Bills Online. Once you have logged in to Personal Online Banking, click Pay Bills.. From the Payment Center, you have an overview of recent transactions and new messages. You can also schedule new payments. 3. For a new vendor, click Add a Biller from the Bill Payment menu. 4. Enter the biller information exactly as it appears on your bill or statement from the biller. Personal Online Banking 3

24 A Quick and Easy Guide to PERSONAL ONLINE BANKING