Everything you need to know about American Airlines Federal Credit Union s Online Banking Experience

Transcription

1 Flight Manual Everything you need to know about American Airlines Federal Credit Union s Online Banking Experience Learn more at AACreditUnion.org/new-onlinebanking.aspx 1

2 Welcome Aboard! We re excited to begin this journey with you through our online experience, whether you access your accounts using a PC, laptop, tablet or smartphone*. The purpose of this guide is to provide you with an overview of important details regarding the many features and improvements available, whether you recently joined the Credit Union or have been a member-owner for many years. We re certain you ll enjoy all the capabilities now offered through this enhanced experience. Your understanding and appreciation of this new technology is important to us, so we ve taken steps to provide you with a comprehensive look at the features you re most likely to access along with some of the exciting additional functionality available in the new experience. So buckle up, and get ready for takeoff. Table of Contents Unified User Experience. 3 The Log-In Process. 4 The Homepage 6 The Main Menu 7 Payment Options 8 Budget and Finances Feature 10 Additional Features.. 11 Frequently Asked Questions.. 13 Learn more at AACreditUnion.org/new-onlinebanking.aspx 2

3 Unified User Experience Whether you re accessing your accounts from a desktop computer at home or on the go with your laptop, smartphone or tablet, our online banking experience will look the same on any device. Our free, specially designed smartphone apps for iphone and Android are available at Apple s App Store and Google Play. We also heard your requests to offer a tablet-friendly version of our online banking experience and we re happy to oblige. Our Credit Union tablet banking app, specially designed for ipad and Android devices, allows you to securely and conveniently manage just about all of your financial business with us. Whether you re traveling, at work, in school or just relaxing on your sofa, we re giving you as many options as we can to meet your needs. Download the American Airlines Credit Union banking apps for smartphones and tablets through itunes or the Google Play store today, and take the Credit Union with you wherever you go! iphone Android Learn more at AACreditUnion.org/new-onlinebanking.aspx 3

4 The Log-In Process Let s get started. Step One Go to AACreditUnion.org and go to the Online Banking Login window shown below. You can also log in using your smartphone or tablet advice, also shown below. COMPUTER BROWSER SMARTPHONE TABLET When you log into online banking for the first time, your Log-in ID will be your nine-digit account number with a Password of our choosing as long as it meets the requirements below. Password must be at least five (5) characters long. Password can be no more than 25 characters long. Password must contain a minimum of one (1) number. Password must contain a minimum of one (1) uppercase character. Step Two You will then be asked to select a target to receive a Secure Access Code (SAC) to access the system for the first time. You can receive the code by , text or phone call. If you do not see your preferred option for receiving a Secure Access Code, you can add additional options after logging in. See Adding Additional Secure Access Code Options below for more information. If you have problems receiving your Secure Access Code via , you might check your spam folder and ensure you can receive s from notifications@aacreditunion.org. Once you receive your access code, enter it in the Secure Access Code window. Step Three Once your Secure Access Code is accepted, the Device Registration page will ask if you d like to register your device or not. If you are using your personal Learn more at AACreditUnion.org/new-onlinebanking.aspx 4

5 computer to access online banking, you can register it to avoid having to receive an Access Code on future logins. If you are on a public computer, you should click Do Not Register Device. You will then be required to receive a new Access Code on all subsequent logins on this non-registered device. Please note, you will be prompted to receive a new Secure Access Code each time you log in from a different device or log in using a different internet browser. Be advised, if you regularly clear the cache on your home computer or laptop, it will delete the online banking cookie, therefore prompting you to receive a new Secure Access Code on your next login. Step Four A page displaying your profile information should come up next. Review the information and make sure all the required fields are complete. Then click Submit Profile to go to the next step. Please note: Once you ve logged in, you can update any information that may be inaccurate by clicking Settings in the left-hand menu and selecting My Profile. Step Five You will then proceed on to two comprehensive disclosures. These are required because of the additional products in the new online banking experience. Scroll down through both and click Accept at the bottom of each. Step Six You will then be taken to our new Online Banking homepage. Adding Additional Secure Access Code Options To add additional options to receive a Secure Access Code, whether by , phone call or text, click on Settings in the left-hand menu on the home page. Select My Profile from the online banking homepage and click on Other Information. Learn more at AACreditUnion.org/new-onlinebanking.aspx 5

6 The Homepage Now that you ve arrived at the homepage, take a moment to acquaint yourself with the environment. Our 360-Degree Account View allows you to see all of your primary accounts as well as all of your joint accounts. This feature will allow you to manage all of your finances with one convenient login. If you re unsure which accounts are which, you can click on any of them to find out the primary owner. You also have the option of nicknaming and reordering your accounts as well. Simply click on Settings in the left-hand menu, select Nicknames & Displays and follow the instructions to personalize your homepage. Learn more at AACreditUnion.org/new-onlinebanking.aspx 6

7 You can also click on the Manage Users feature under the Settings menu, which will allow you to hide accounts you do not want to see when you log in. Once you select Manage Users, you should see a box with your name in it (see right). Click on the pencil in the bottom right corner of the box. This will bring up the View User page. Click on the Assign Rights box on the bottom right-hand side of the page. Now you are on the User Policy page for your account (see below). Click on the Accounts tab at the top of the chart and in the View column, click on the check mark next to any account you do not wish to see. Once you re done, click the Save button on the top right of the page and return to the home menu. Once you ve refreshed your home page, the account(s) should be hidden. You can use the same process to unhide accounts as well. Learn more at AACreditUnion.org/new-onlinebanking.aspx 7

8 The Main Menu In order to maintain a unified experience across all of your devices, we ve moved the menu to the left side of your homepage. It contains most of features you re likely to use in a typical online banking session. Read below for a basic overview of what is contained and we ll go into detail a little later on some of the features you ll find here. Home Click here to return to the main homepage. Messages This secure message feature allows you to ask us any questions you might have about your accounts or your online banking experience as well as receive responses from us. Payments & Transfers Here you ll find our various payment options, including Transfer Funds, Transfer to a Member, Pay Bills, Pay Cards & Loans, Pay Other People, External Accounts and International Wires. For more, see Page 8. Manage My Finances Access our new Budget and Finances feature (see Page 10), Turbo Tax, My Credit Score and Flagship Financial. Apply For A Loan Find direct links to all loan requests, including auto, credit cards, personal, home equity and mortgage on any of your devices. Open An Account Set up a Secondary Account or sign up for our Prepaid Travel Card. Account Services Stop Payments, order Check Copies or reorder checks, access Statements & Notices or Manage Beneficiaries. Card Services Here you can request a limit increase, transfer balances, authorize additional credit card users and set travel notifications. Settings Update your personal information, nickname or change the order of your accounts, change security preferences and select your background theme, including large font or an American Airlines option. Locations Search for Credit Union branches, shared branches or ATM locations near you. Log Off Click here when you re done. Learn more at AACreditUnion.org/new-onlinebanking.aspx 8

9 Payment Options In addition to the many payment options available in our previous online banking platform, we ve added some exciting new options for which members have been asking. You will find all of these options under Payments & Transfers in the left-hand menu on the online banking home page. Those options, in the order they appear in the menu include: Transfer Funds: This allows you to easily transfer money between any of your existing Credit Union checking or savings accounts, as well as any external accounts of other financial institutions that you choose to add. Transfer to a Member: This new feature allows you to transfer money to other Credit Union member-owners. Pay Cards & Loans: Make payments to any of your Credit Union loans, including credit cards, auto or mortgages, but now those payments will occur in real time with no delay. Learn more at AACreditUnion.org/new-onlinebanking.aspx 9

10 Pay Bills: Pay your electric, water, cable or any other bills you receive regularly. You can also add new payees at any time. Pay Bills Quick Pay: This new feature allows you to make immediate payments to bill payees. See our Fee Schedule for applicable fees. Pay Other People: This new person-to-person payment service, powered by Popmoney, allows you to make direct payments to people outside the Credit Union, for example a babysitter, lawn service or a friend with whom you re splitting a lunch tab. The only information needed is their address. External Accounts: Add accounts you own at other financial institutions to your financial profile to make them available for use in our Transfer Funds feature. Domestic Wires: Set up electronic funds transfers to anyone in the United States. See our Fee Schedule for applicable fees. Learn more at AACreditUnion.org/new-onlinebanking.aspx 10

11 Budget and Finances Feature Our budget and finances feature allows our member-owners to track their spending with a fully interactive, real-time updating dashboard that will load all of your existing Credit Union accounts while also allowing you to add accounts from other financial institutions. To get started, click on Manage My Finances in the left-hand menu on the online banking homepage and select Budget and Finances. A window will open internally asking you to allow the program to update your Credit Union account information. Once you ve loaded all of your additional account data, this helpful new tool offers a number of useful capabilities. Set spending targets so you can track variable expenses, track your monthly cashflow, establish savings goals, determine your net worth, arrange alerts when financial criteria are met and much more. Learn more at AACreditUnion.org/new-onlinebanking.aspx 11

12 Additional Features We re expecting some new features to come online in the coming months, until then, here s some we d like you to know a little more about. Activity Center Located in the upper right menu of the online banking homepage is our new Activity Center feature. This useful tool allows you to quickly access the history of single transactions, recurring transactions or checks deposited online by searching your entire online banking profile. For additional security, you can also use this feature to approve pending transactions. For example, if you re making a large transfer that may exceed normal Credit Union limitations, you ll receive a message to approve the draft in the Activity Center. Then we can confirm the legitimacy of the transaction in the Activity Center by sending you a new Secure Access Code via phone or text to finalize the transfer. Learn more at AACreditUnion.org/new-onlinebanking.aspx 12

13 Touch Authentication Security Login For iphone 6 users who currently enjoy the Touch Authentication log-in technology on their smartphones, you can also use it to access your account via our newly updated American Airlines Credit Union app. If you already have our current app, you ll be prompted to go to Apple s App Store and download the new version. (Don t forget to delete the older version afterward.) Once you ve logged in, click on Menu on the upper left corner and select Settings. Click on Security Preferences and then turn the button next to Touch ID to On. (See below.) You will then be required to re-enter your User Name and Password and press your finger to the home button to take advantage of this one-touch login to access our unified new mobile banking experience. Learn more at AACreditUnion.org/new-onlinebanking.aspx 13

14 Frequently Asked Questions Why did American Airlines Federal Credit Union change online banking? We are upgrading our online banking system as part of our ongoing effort to provide account holders with state-of-the art banking functionality, convenience and security. Our new online banking system offers robust online banking functionality on all of your devices, and will enable you to bank anytime, anywhere like never before. Will I have access to my estatement history? Yes, you will also have access to up to 24 months of estatements, if you are an estatement subscriber. Is there an online resource for help? Yes, there is a help button available in the menu, you can send and receive messages in our new Messages feature within online banking and we also have a Live Chat feature. Are there minimum browser requirements for this new system? We recommend updating your browser to the latest version available not just to ensure compatibility with the new online banking experience, but also to ensure that your online banking is as secure as possible. Find out which browsers are compatible in the helpful chart below. Browser Minimum Browser Required Preferred Browser Internet Explorer Version 9 and above Version 10 and above Firefox Version 21 and above Version 24 and above Chrome Version 27 and above Version 30 and above Safari Version 5 and above Version 6-7 and above I can t access your site in my Internet Explorer browser, even though the version is supposed to be compatible. Why isn t it working? You may have your Compatibility View turned on. In the pull-down menu under Tools, select Compatibility View Settings. Make sure the box next to Display all websites in Compatibility View is unchecked. Refresh your browser and try to access the site again. If you re still having issues, call us at (800) Learn more at AACreditUnion.org/new-onlinebanking.aspx 14

15 While logging in, why did I receive an UnconfiguredError message? This error (shown below) means that either your log-in ID or password was entered incorrectly. Take a minute to make certain your log-in ID has no errors, doublecheck your password and carefully input it again. If you then receive the following message The log-in information does not match our records. Please try again. (shown on the following page) then you are inadvertently inputting an inaccurate log-in ID or password. Your safest bet is to click on the Forgot your password? link, select a password that matches the criteria listed and follow that process. The password criteria is as follows: Password must be at least five (5) characters long. Password can be no more than 25 characters long. Password must contain a minimum of one (1) number. Password must contain a minimum of one (1) uppercase character. If you re certain your log-in ID and password are correct, or that you mistakenly input an error on one of your earlier attempts, you can try again, however, if it is inaccurate, you may lock yourself out. It says I m locked out, what do I do now? For security purposes, if you input your information inaccurately three times in a row, you will receive an error message reading, This Log-In ID is currently locked out. Please contact your financial institution to reset your password. (See the following Learn more at AACreditUnion.org/new-onlinebanking.aspx 15

16 page.) At this point, you will need to contact us at (800) and have someone unlock your account and reset your password. Our Member Advocacy Center s hours are 7 a.m. to 7 p.m. CST weekdays, 7 a.m.-5 p.m. Saturdays, and we can unlock you during those hours. Can I use this on my phone/tablet? Absolutely! Our new online banking system will provide you the ability to bank anytime, anywhere, from any device conveniently and securely. You can download the app on any Android or Apple device, and it will provide a consistent experience with banking from your desktop. If you already have our current app, you will be prompted to download the new one. Once you ve done so, don t forget to delete the older version. If you re on a platform that isn t Android or Apple, you can always access online banking via your HTML5-compatible mobile browser. Device Minimum OS Versions Recommended OS Versions Android and above and above Apple ios 6.0 and above ios 7.0 and above* * Only available on iphone 4 and newer. What is a unified experience? A unified experience simply means that the look and feel of your online banking is consistent on all of your devices. It does not mean that the exact same features and functions are available on every device. It is intended to improve your experience by making navigation simple and familiar regardless of device. Learn more at AACreditUnion.org/new-onlinebanking.aspx 16

17 How do I contact you if I have questions about the new online banking experience? We have multiple ways you can contact us for help. You can call our Member Advocacy Center (MAC) at (800) and follow the prompts until you are asked if you have an Online Banking question. The MAC hours are 7 a.m. to 7 p.m. CST weekdays, 7 a.m.-5 p.m. Saturdays. If you are logged into online banking, you can send us secure messages through the Messages link in the left-hand menu or you can click on Live Chat in the right-hand menu. Hours for both are the same as the MAC, though both will be closed Sunday. You can also reach us on Facebook and Twitter. iphone and ipad are registered trademarks of Apple, Inc. Android is a registered trademark of Google Inc.. Popmoney is a trademark of CashEdge Inc. or its affiliates. American Airlines Credit Union and the Flight Symbol are marks of American Airlines, Inc. *Check with your wireless provider for applicable fees. UPDATED 07/03/15 Learn more at AACreditUnion.org/new-onlinebanking.aspx 17