Online Guide of Frequently Asked Questions about MyCardStatement.com

Transcription

1 Online Guide of Frequently Asked Questions about MyCardStatement.com

2 Online Guide of Frequently Asked Questions about MyCardStatement.com Account Summary 3 Statements 5 Pay Bill Online 7 Set Alerts 8 Find Transactions 9 Reports 11 Cardholder Profile 12

3 Account Summary This page displays your current account summary and payment status as of the date and time shown on the page. It also allows you to display recent transactions that have posted to your account since your last statement. Show Recent Transactions This link displays any transactions that have posted to your account since your last statement. Transactions can be sorted by transaction date (Normal View) or by Quicken expense categories (Expense View). To facilitate your record keeping, a plain copy of your current account summary and recent transactions can be displayed for printing by clicking on the Format to Print link. To download transactions to your computer, select a file format from the Download Transactions drop down menu. See Downloading FAQs for more details. You can click on Hide Recent Transactions to return to the account summary display. Displaying Transaction Details Click on the description of any transaction to view detailed transaction information. You can change the Expense Category (and always revert back to the original category), or enter a personal memo (up to 50 characters) to be kept with the transaction. Tip: You could enter the word "deductible" in the Transaction Memo for every transaction that is tax deductible, and then - at tax time - use the Find Transactions feature to display your deductible transactions. Disputing a Transaction You can dispute a transaction by clicking on the link to display a transaction dispute form. Print the form using your browser's print process, then fill in the requested information. Sign the form and mail it to Customer Service at the address shown. Please note that notification of a disputed transaction must be received within 60 days of the closing date of the statement. Note: Your signature on a hard copy of the form is required before we can process this dispute. Downloading FAQs Q: What format should I use? A: Select a.qif format for Quicken 98 or earlier, or Quicken/Money, depending on which software application you wish to use. QIF is a flexible format for exchanging transaction information, complete with merchant addresses, memos, and category information. Downloading.QIF files will not launch your Quicken application. Save the file (using the.qif extension), and then open it later using your application. Use the.csv (comma-separated text) or the.dat (tab-separated text) to download your transactions for use with Excel or other spreadsheet and database programs.

4 Q: What fields are contained in the downloaded file? A: The download file contains the following data elements: Transaction Posted Date Merchant Description Merchant Category Code Transaction Date Merchant City Merchant State Amount of Transaction Description of Category Memo on a Transaction Q: Why Does the Transaction Data Show Up On My Screen? A: Different browsers react differently to file downloads. All Windows browsers rely to some extent on the registered file types on your system to know what to do with incoming files. Unfortunately, they occasionally misbehave on some configurations. Your browser may present a dialog asking you to save the file, or it may display the information on your screen. If it asks you to save the file, it may suggest the correct filename, or it may not. Whether the data shows up on screen or not, the idea is to save it to disk under the correct filename. When your browser presents a File Save dialog, use the directory list to navigate to the directory where you store your statement files. Then check the suggested filename carefully. If it does not use an appropriate filename and extension, correct it before clicking the Save button. If the browser displays the information on the screen, use the "File Save As" menu choice, then follow the directions above. Q: I Just Downloaded and There Are Duplicate Transactions in My Register! A: If you download the same statement twice, or download a statement that overlaps data you have entered into your software, then you may create duplicate transactions in your register. Unfortunately, the web server cannot prevent this from happening. If this happens to you, either discard the changes and examine the situation carefully before re-importing the data, or manually discard the duplicate items.

5 Statements This page displays your current account statement and transactions. You can also select a previous statement closing date from the drop-down menu to display summary and transaction information for that statement cycle. Transactions can be sorted by transaction date (Normal View) or by Quicken expense categories (Expense View). To facilitate your record keeping, a plain copy of a statement and its transactions can be displayed for printing by clicking on the Format to Print link. To download transactions to your computer, select a file format from the Download Transactions drop down menu. See Downloading FAQs for more details. Displaying Transaction Details Click on the description of any transaction to view detailed transaction information. You can change the Expense Category (and always revert back to the original category), or enter a personal memo (up to 50 characters) to be kept with the transaction. Tip: You could enter the word "deductible" in the Transaction Memo for every transaction that is tax deductible, and then - at tax time - use the Find Transactions feature to display your deductible transactions. Disputing a Transaction You can dispute a transaction by clicking on the link to display a transaction dispute form. Print the form using your browser's print process, then fill in the requested information. Sign the form and mail it to Customer Service at the address shown. Please note that notification of a disputed transaction must be received within 60 days of the closing date of the statement. Note: Your signature on a hard copy of the form is required before we can process this dispute. Downloading FAQs Q: What format should I use? A: Select a.qif format for Quicken 98 or earlier, or Quicken/Money, depending on which software application you wish to use. QIF is a flexible format for exchanging transaction information, complete with merchant addresses, memos, and category information. Downloading.QIF files will not launch your Quicken application. Save the file (using the.qif extension), and then open it later using your application. Use the.csv (comma-separated text) or the.dat (tab-separated text) to download your transactions for use with Excel or other spreadsheet and database programs.

6 Q: What fields are contained in the downloaded file? A: The download file contains the following data elements: Transaction Posted Date Merchant Description Merchant Category Code Transaction Date Merchant City Merchant State Amount of Transaction Description of Category Memo on a Transaction Q: Why Does the Transaction Data Show Up On My Screen? A: Different browsers react differently to file downloads. All Windows browsers rely to some extent on the registered file types on your system to know what to do with incoming files. Unfortunately, they occasionally misbehave on some configurations. Your browser may present a dialog asking you to save the file, or it may display the information on your screen. If it asks you to save the file, it may suggest the correct filename, or it may not. Whether the data shows up on screen or not, the idea is to save it to disk under the correct filename. When your browser presents a File Save dialog, use the directory list to navigate to the directory where you store your statement files. Then check the suggested filename carefully. If it does not use an appropriate filename and extension, correct it before clicking the Save button. If the browser displays the information on the screen, use the "File Save As" menu choice, then follow the directions above. Q: I Just Downloaded and There Are Duplicate Transactions in My Register! A: If you download the same statement twice, or download a statement that overlaps data you have entered into your software, then you may create duplicate transactions in your register. Unfortunately, the web server cannot prevent this from happening. If this happens to you, either discard the changes and examine the situation carefully before re-importing the data, or manually discard the duplicate items.

7 Pay Bill Online This page lets you pay your credit card bill online. You can choose the checking or savings account you want to use and enter the amount you want to pay. Entering Account Information First select the account type (checking or savings), then enter the name on account, account number, and ABA routing number. If you aren't sure which set of numbers on your check is which, refer to the sample check illustration that shows where these numbers can usually be found. Enter the amount you want to pay and click on Submit. Authorizing Payment A confirmation page is displayed allowing you to review the data you entered. If you want to change anything, click on Back to redisplay the entry page. You can cancel the transaction by clicking on the Cancel button. This page also displays a disclosure agreement, and an Authorization and Signature check box. This box must be checked to process your request. If the information is correct, check the Authorization and Signature box and click on Submit to complete the transaction and display an acknowledgment. Note: Please be sure to print or save your acknowledgment and enter the transaction in your checking or savings account register.

8 Set Alerts An "Alert" is an message that we send to notify you of an event you have specified. This page allows you to set new alerts, and reset or delete alerts you have already set. You can set alerts for: Account events, such as when your balance gets within a certain amount of your credit limit, or when your statement closes. Transaction events, such as when a payment, purchase, or credit transaction posts to your account. Personal occasions, which are calendar-based reminders for any occasion you choose. Note: You can set more than one alert, but you can only set one alert at a time. Alerts you have set for Account Events and Personal Occasions will result in only one message being sent for each alert. Transaction Event alerts remain in effect until you delete them. Managing Alerts A list of alerts you have already set is shown on this page. You can click on Reset to reactivate an alert for an event that has occurred. For example, if you already received an message for an Account Event and you want to reinstate the alert, click on Reset. To delete an alert, click on the Delete link. Deleting the alert cancels the message request. Personal Code As an additional security measure, you can optionally pick a word or a phrase to be included in the alert we send. This serves as a "personal code," allowing you to confirm that the alert you receive is the one you instructed us to send. Alert Addresses If we have an address on file for you, it is shown in the "Send the automatic alert to:" box. You can use this address or enter a different one for this alert. Entering a different address on this page does not change your default address; it is only used as the address to which this alert will be sent. If there is no address shown in the box, you must enter one. Tip: You can use the Cardholder Profile feature to enter or change your default address. Note: Please do not use "Reply" to respond to an alert message. This will result in an error message. Please contact Customer Service if you have any questions.

9 Find Transactions This feature lets you search for transactions based on the following criteria: Transaction type Merchant Name (all of the merchant name or some portion of it) Expense Category Transaction memo information (the whole memo or some portion of it) Transaction amount Date Posted Since - a beginning date for your search Note: These criteria are cumulative: selecting more than one further narrows your search. Transactions must meet all of the specified or default criteria to be displayed in your results. If you are not getting the results you expect, double check the criteria you have entered. See Find Transactions FAQs for more information. Search Results All transactions that meet your criteria are displayed. You can click on the Description of any transaction to display details. Saving Search Criteria You can save the criteria from a particular search using the Save feature on the results page. The saved name is displayed on the main Find Transactions page. Clicking on the name runs the search; you don't have to re-enter any criteria. Tip: If you plan on using this function a lot, it's a good idea to experiment with various criteria until you find a combination that returns the most useful data, then Save the search. Next month, you can run the saved search to display an updated list of transactions. Find Transactions differs from Reports in that Find Transactions displays a list of individual transactions that meet your criteria, while the Reports feature displays summaries of your credit card activity. Find Transactions FAQs Q: My results showed too much data. How can I find just the transactions I want? A: To optimize your search you should have a good idea of exactly what it is you are looking for, and then use specific criteria - combined with the default criteria - to narrow your search. Generally speaking, if you start with broadest criteria (the defaults) and then add specific criteria in each of the successive fields, you should be able to narrow your search efficiently. Q: I entered the name of a merchant I have used in the Merchant Name field, but the results showed no transactions. Why? A: Merchant names are sometimes abbreviated in the description field, or they may have suffixes that indicate a particular store number or location. Try entering the first few characters of the merchant name to see what results you get. Based on that, you can further narrow or broaden your search.

10 Tip: If you are going to be searching for specific types of transactions over a period of time, use the Transaction Memo field on individual transactions to "bookmark" them with a simple word or phrase. Then use Find Transactions with "Transaction Memo Is or Contains" to display them.

11 Reports Reports are summaries of your card activity. We have provided several standard reports you can choose to present different views of your spending activity. Reports differ from Find Transactions in that the Reports feature displays summaries of your credit card activity, while Find Transactions displays a list of individual transactions that meet your criteria. Click on the button for a particular report, enter an optional date range, and then select the format you want to display. Click on Go to display your results. Tip: If you don't enter any dates, you'll get a report based on your entire transaction history. If you enter only a "To" date, your report will be based on transaction information from your earliest available online statement up to the date you specified. If you enter only a "From" date, your report will be based on transaction information from the specified date up to the present time.

12 Cardholder Profile This page lets you change your default address and your online account password. You can also cancel your online enrollment by disabling access to the system. Changing Your Address When you select Change address, the current address we have for you is displayed. You can change your default address or enter one for the first time. You must confirm your identity by entering your online account password before you submit the form. Changing Your Password Enter your current password and then enter the new password twice. For your security, neither your current password nor the new one you enter is displayed. If the current password is correct and both new password entries match, you receive an acknowledgment that your password has been changed. You must use the new password the next time you log in. Disable Online Access If you choose to disable access to your online account, you will no longer be able to log in to the system. Any information you have saved (such as search criteria, transaction memos, and alerts) will be lost. You must confirm your identity by entering your online account password before you disable access. You can enroll again by clicking on Enroll on the Login/Enroll page.