Mane-link Online Banking User s Guide

Transcription

1 1 Mane-link Online Banking User s Guide

2 ank.com Table of Contents Introduction... 2 Safe and Secure... 2 Online Enrollment... 3 Verification Letter... 3 First-Time User Logon... 4 Secure Access Code... 4 Online Banking Agreement... 5 Creating a Profile... 5 Establishing a New Password... 6 Account Overview Screen... 7 History Screen... 9 Online Activity Page...10 Transaction Status...10 Online Transaction Status Terms:...10 Search & Export Options...11 Secure Messages...11 Funds Transfer...12 Account to Account Transfer...12 Quick Action Transfer...13 Stop Payments...15 Account Alerts...16 Date Reminders...17 Account Nicknames...17 Second-Time Login (Browser Registration)...18 Challenge Code...19 Online Bill Pay...20 Online Statements...20 Signing Off...20 We re here to help Page 1

3 Introduction Welcome to Commerce Bank s Mane-Link Online Banking. This manual will guide from the time you enroll until the time you find yourself wondering how you ever banked without it. This manual is organized according to what you want to do. Do you want to transfer money? There s a section for that. Do you want to sign up for estatements? There s a section for that, too. You ll start with enrollment, and then move right to first-time Login, with simple, illustrated examples to help you see exactly where you need to be. Many of your Online services are FREE, including Online Banking, estatements, Online Bill Payment, Voice Banking, Mobile Banking (via a web enabled phone), and more. All of these services can be accessed once you are set up for Online Banking and most are selfservice/instant enrollments. Your services are available 24 hours a day, 7 days a week, with minor exceptions for maintenance or upgrades. We hope you find this manual useful. If you have any questions or feedback we would like to hear from you at manelink@bankatcommerce.com, or BANK(2265), or at any of our local branch offices. Safe and Secure How can you be sure your information is safe? We provide a high level of encryption (converting data into code) within our Online Banking system. See the advanced section for more technical details. All of your communications from within Online Banking are encrypted. Even if a communication were intercepted, without the codebook, nobody can read it. And we re the only one with the codebook! What s more, our industry-standard encryption is audited frequently by various third parties and government agencies so we can make upgrades to keep your information as secure tomorrow as it is today. Any communications made between you and the bank that contains secure information should be made through Online Banking, rather than regular . Within Online Banking there is a page called Messages that is fully secured. While normal is fine for some communications, this is the channel for communications that contain your non-public data. Each of us at Commerce Bank is dedicated to keeping your information safe. Page 2

4 Online Enrollment The first thing you need to do is get enrolled. You do that by visiting our website at On the Home Page (first page) is a link to Enroll Now in Online Banking. Click on the Enroll Now link in the upper left corner of the screen to launch the enrollment form. You will only need to fill out this enrollment form once. By completing this form, you tell us that you want access to Online Banking. Please fill the form out as completely as possible, so we can create an accurate Online Banking profile for you. When finished, click the Submit Enrollment button at the bottom of the enrollment screen. Watch for your Verification Letter Your Online Banking application will be reviewed and completed within 1-2 business days from your initial enrollment. MOST applications take much less time to complete, but the verification process on some applications takes a bit longer. Once we have completed your enrollment, you will receive your User ID and Password by postal mail. If you become concerned that it s taking longer than it should to receive your confirmation letter, please us at manelink@bankatcommerce.com. We ll be happy to assist. Please note: We will not now, nor will we ever send you a password over . The first time you Login (see First-Time Login section below), we will verify you through different means. Just head on to First-Time Login and welcome to Online Banking! Page 3

5 First-Time User Logon If this is your first time using Mane-Link Online Banking, you will need to log into bankatcommerce.com using your predefined Login ID and click in the I am a First Time User box. Secure Access Code Due to enhanced security, Commerce requires that your first time logon is validated by the use of a one-time Secure Access Code which is delivered to your , personal phone, or cell phone. We recommend using a phone number because it is generally faster. You will be prompted to select your Secure Access Delivery Preference, which you will find prepopulated. This one-time Secure Access Code is received within seconds but will only be valid for 15 minutes. Note: If the information displayed is out-dated, please contact our Customer Response Center BANK(2265), Monday Friday 8:00A.M. to 5:00P.M. You are now in the Enter Secure Access Code window. DO NOT CLOSE THIS WINDOW until after you enter your code. TIP: Check your spam. Many providers place unfamiliar s and senders s in your Junk Mail/Spam Mail. Don t forget to check this folder when waiting to receive your Access Code by . Page 4

6 Enter your Secure Access Code and click, Continue. Online Banking Agreement As part of your first time logon, you will then be prompted to read, scroll down and accept the new Online Banking Agreement. Click I Accept to continue. Creating a Profile Once you have completed the logon process, you will be prompted to update your personal profile. This allows you the convenience of updating your contact information and ensures we have your most current information. All items marked with an asterisk are required and some may be pre-populated; make changes as necessary entering your current information in the provided fields. Click Submit to continue. Please note this only updates your online profile not the bank s permanent records. Page 5

7 Establishing a New Password It will be necessary to establish a new password. Referring to the new password criteria listed below, create your new password and enter it into the New Password box. Repeat the new password in the Confirmation box click Submit Password Change to submit your new password and continue. Please remember that the goal of a password is to keep someone else from using your Logon ID. Commerce Bank suggests the following security steps to help protect the privacy of your password: Change your password regularly. Choose hard to guess passwords. Do not write your password down. Always enter your password in private. Commerce Bank employees do not have access to and will never ask for your password. Your new password must be at least six characters long; it may contain numbers, letters or a combination of both. If you do use letters, please remember the password field is case-sensitive. Page 6

8 Account Overview Screen Once you have completed the steps above, you will be presented with the Account Overview screen, your dashboard to all functions. This page displays a summary of accounts associated with your online profile after you log in. Double Click on a specific account from the overview screen to view account History and details. The Account Overview page provides the following information: Access to multiple online accounts, account names and nicknames. The date the account was last updated. Available balances, Current balances & Pending/Current Day Transactions. Click on the Account Name to display detailed account history for an account. New Messages are accessible from this page. Accounts are categorized by account type (checking, savings, loan, Certificates, etc.) Double Click on a specific account from this screen to view account details/history. Page 7

9 The Lightning Bolt is a quick action feature built into the Online Activity page for your convenience. You can View, Approve, Cancel or Copy a transaction straight from this page. Transfers to or from any of your Commerce Bank accounts can be initiated right from this point with just a click of a button. The drop down window will appear, pick your accounts and enter the amount, and you re done. It s that easy! Pending Transactions immediately impact the Account Overview page. The account number is bolded in red and receives an asterisk in front of it, (see screenshot above). This informs you that there is at least one pending transaction for the account. Once the transaction is processed by Commerce Bank, it is posted to the account as history, and the colored asterisk is removed from the account. The Magnifying Glass icon next to some transactions indicates that there is an image stored for that transaction, (a check image or deposit ticket for example). Just click on the image of the magnifying glass for the specific transaction image you want to view and the image will be displayed in a pop-up window. You should configure your pop-up blocker to accept pop-ups from our site to use this feature. Page 8

10 History Screen The Account History screen provides full account details and a variety of ways to search and sort activity (pending transactions detail the current day s activity). To view another account, click the down arrow next to Account (1) and double click on the account you want to view next. NOTE: The Default View is 50 items unless changed under Preferences > Accounts. Clicking on the Caret Button (2) gives you the ability to expand the field for Account Details Page 9

11 Online Activity Page Online Activity is a listing of all transactions you originated online. For your convenience the online history does not have an expiration date, which allows you to easily research the date a specific transfer or payment was made. Transaction Status A listing of Active Transactions displays the online transactions that you have made, which have not yet posted to your account. Transactions may be cancelled from this screen provided the cancellation is received before you have submitted the transaction for processing. Transactions may be grouped by status and searched to help you locate a specific transaction more easily. Click on the Transaction Detail icon to pull up the details of any pending transaction which need approval. Select the desired action from the buttons displayed at the bottom of this page. Online Transaction Status Terms: Drafted: Any transaction that has been put in a pending (Drafted) state by the user and can still be either approved or cancelled. Authorized: When a transaction, such as funds transfer, has been approved by a user, the transaction displays in the Authorized category in Online Activity. Cancelled: When a transaction such as funds transfer, has been cancelled by a user from the Transaction Details page, the transaction displays in the Cancelled category in Online Activity. Processed: When a transaction, such as a funds transfer, has been approved by a user and then later processed by the Bank (either by real-time interface or manually processed), the transaction displays in the Processed category in Online Activity. Page 10

12 Search & Export Options As the amount of transaction history for a selected account grows, the account details section search drop-down box allows you to easily find specific online transactions. Instead of displaying your search results, you can also easily export the data to a file by selecting the Export to file button (1) and choosing a supported format from the dropdown box (2). You can download your data into popular personal financial management applications. Microsoft Excel (.xls) or another spreadsheet application Comma separated value file (.csv) Microsoft Money / Microsoft Office Accounting (.ofx) Quicken (.qfx); please contact us for a list of supported versions. Quickbooks (.qbo); please contact us for a list of supported versions. You will be asked if you wish to Open or Save the export file. If you choose to Open the file, you must have the application that supports the file format installed on your local machine. Please refer to our website to find complete instructions for the Intuit product you are using. Secure Messages There is a hyperlink at the top of the Account Overview page to indicate if you have unread secure messages. Clicking on the link will take you directly to your secure message mailbox. Double-click on the highlighted message you wish to view and see the secured message displayed. You can then reply to the message or create your own and contact Commerce Bank easily and securely. Page 11

13 Funds Transfer The Funds Transfer page enables you to quickly and easily transfer funds between two of your online banking accounts, you can make: One-time Immediate Transfer - By selecting today s date as the Transfer Date, makes a one-time transfer from one of your online accounts to another of your online accounts to be processed at the next available processing time. One-time Future-dated Transfer - By selecting a date in the future as the Transfer Date, makes a one-time transfer from one of your online accounts to another of your online accounts on the Transfer Date requested. Recurring Transfer - Makes a recurring series of transfers based upon your selected criteria. Account to Account Transfer 1. Select Accounts > Funds Transfer. 2. Choose the From Account from which the funds will be withdrawn (debited). 3. Choose the To Account to which the funds will be deposited (credited). 4. Choose the Transfer Date you want the transfer to be made. If you choose a date in the future, the transaction will be stored for processing on the later date. 5. Enter the amount to be transferred. 6. Enter an optional Description or memo to help you in identifying this transaction later. 7. Select whether the transfer will be one time or recurring by first clicking on the Enter Payment Frequency button 8. After you have Drafted your transfer, be sure to click the Approval button as well. Page 12

14 Quick Action Transfer The quickest and easiest way to complete a one-time transfer is to utilize the quick action Lighting Bolts on the Account Overview page. The Account Overview page displays a summary of your accounts associated with your online profile. When you roll your cursor over the quick action Lighting Bolt, a drop down menu will appear. Transfers to or from any of your Commerce Bank accounts can be initiated right from this point with just a click of a button. A drop down menu will appear, just pick your account, enter the amount, and you re done. It s that quick and easy! For example when you click on the Transfer From button, the Quick Action Transfer From Checking will appear. In the To Account section just select the account you wish the funds to be transfer to, and then fill in the amount. The description field is optional. Finally, click the SUBMIT button, to complete the transfer. Page 13

15 Next you will be presented with your confirmation screen informing you that your transfer was successful and providing you with a tracking number. It is always a good idea to make note of your tracking number as this your receipt of the transaction. Just click on the red X to close the Quick Action screen. Page 14

16 Stop Payments Make a stop payment on a single check easily with Treasury Plus+ Online Banking. You must provide a valid check number; complete each section of the Stop screen and select Continue to submit your request. Before entering a request, please check your account transaction history to make sure that the check has not paid against your account. This online service allows you to place stops on single checks. If you wish to make a stop payment on multiple checks, an ACH debit or electronic transaction you will need to contact your branch of account. If you have questions please contact Commerce Bank at (BANK). To make a stop payment: Under the Services Tab. Click Stop Payment and in the Enter Account Information column : select an Account and key in a Reason for the stop payment. Enter the Payee name. Key in the amount and select the date the check was written from the drop-down calendar. Click Continue and a window appears asking you to, Select CANCEL if you are unsure or wish to review the data you entered for this transaction. Click OK to continue. Page 15

17 Account Alerts Mane-Link Online Banking now offers alerts and reminders. It's easy to set up convenient alerts to notify you when your accounts meet specified conditions. Create alerts to notify you when the balance drops below a specified level or to inform you when an account has excess funds. Alerts are account-based and will notify you of account balance changes. With our innovative Account Alert System, you can set up account-based and/or date-based alerts that can be delivered via your preferred telephone number or address. Easily set up alerts to notify you when your balance drops below a specified level. To add an account alert: Under Preferences, select Alerts. At the bottom of the Alert page, select Add a new Date Alert and click submit. An Add New Date Alert window will be displayed. Enter the reminder alert criteria and click submit. You will receive a prompt asking Are you sure you want to submit this alert? Click OK. Page 16

18 Date Reminders Need a reminder for that important meeting, special anniversary or milestone birthday, with Mane-Link you simply set up a personal reminder. A reminder is a date-based personal notification of important events, (i.e. birthdays, anniversaries, wakeup calls). A secure message will be delivered to you when the alert is triggered. To add a reminder: Under Preferences, select Alerts. At the bottom of the Alert page, select Add a new Date Alert and click submit. An Add New Date Alert window will be displayed. Enter the reminder alert criteria and click submit. You will receive a prompt asking Are you sure you want to submit this alert? Click OK. Account Nicknames The Preferences > Account menu allows you to choose a personal name or nickname for each your accounts. The nickname is displayed consistently throughout Mane-Link Online Banking. This menu also allows you to define the number of history items or history days to display on each account. To change a Display Name: Click the Preferences Tab. Choose an account to modify. Key in the Display Name (nickname), tip - including the last four digits of the account number in the nickname is helpful for future reference. Key in the # (the number of history items or number of days to display). Choose Items or Days from the drop-down box Click Submit Changes Click the Transactions tab. A window appears: Are you sure you want to submit these account preference changes? Click OK to commit the changes. After submitting, the changes the systems returns to Account Overview. Page 17

19 Second-Time Login (Browser Registration) When you Login to Online Banking, after the first time, we will ask you to complete your Multifactor Authentication (MFA) process. Not only is this process an important security measure, it is required by the federal government. The steps will look extremely familiar because they are exactly the same as the secure access delivery process you went through at First-Time Login. The only difference now is that we are going to be placing a cookie, or small text file, on your computer to identify you. If you select the Activate for later use button, this cookie will remain on your system until you or another program deletes it. If the cookie is deleted, this registration process must be repeated. When you logon, the following screen will appear. There are two options when registering your computer: 1. Activate this computer for later use a logical option for a home or work computer 2. Give me one-time access only (do not activate this computer) a logical option when using a public PC (at a hotel, in a library etc.) Select the appropriate option and click Continue You must select a delivery method. Click Continue. Within seconds, you will receive a code. Enter the code and click Continue. Page 18

20 Challenge Code A challenge code can be used, in addition to the correct entry of your Login ID and password, if you are unable to receive a secure access code by phone or . Once it is created, you may choose to enter this code instead of receiving a secure access code through the standard Authentication process. This is useful when you cannot receive the delivery of a secure access code through your phone or or if you are unable to secure a second computer. For example, you have already authenticated your home computer but your work computer has a policy in place which prevents you from storing secure cookies. Remember, in order to take advantage of the Challenge Code you must have already successfully completed the Multifactor process on at least one computer. To create your own Challenge Code: Go to Preferences > Security then click on the Challenge Code tab. Create a code of your own choosing which meets the Challenge Code Requirements. Click on the Submit Challenge Code button. If successful you will receive a green message which states: You have successfully changed your challenge code. If you are unsuccessful you will receive a red error message. Challenge code validation has failed. When you logon to another computer with your Challenge Code; you will still enter your Logon ID and Password. Next you will be prompted for your Challenge Code. For your security, you will not be able to register that particular computer when logging in with your challenge code. A challenge code can only be used for one-time access. Page 19

21 Online Bill Pay We have partnered with a leading bill payment provider. If you don t utilize this service, simply click on bill payment and enroll. As an added feature, the Bill Payment Customer Support is available to assist you at Monday Friday 7: 00A.M. 11: 00P.M. If you haven't yet tried Mane-Link Bill Pay now would be a great time to give it a try. Bill Pay does not attempt to change your money management habits. Instead, it uses today's technology to give you the option of bypassing the time-consuming aspects of traditional bill paying in order to manage your finances more conveniently, efficiently and securely. Online Statements The Statement Page provides an electronic view of your bank statements. By default, this page loads the first account that is listed in your profile. 1. Select the account you wish to view statements for from the account list drop down. 2. Select the "Year" and "Cycle" (statement period, usually a month). 3. Click "View Statement." If you have the option to choose Image or PDF, make the selection that best applies to you: The PDF format offers flexible printing options and will print more clearly. However, this option requires a PDF reader be installed on the local machine. The Image format is useful for quick viewing and does not require the Adobe PDF reader application be installed on your local machine. Once the image or PDF of the statement is displayed, you can save or print your statement using the menu in the PDF Viewer or using browser print controls. Signing Off When you are finished updating your account preferences or any time you log into our system, utilizing Sign-Off to end an online banking session is a best practice and ensures the privacy of your account information. The Sign Off button is located on the top right of the screen. We re here to help. We value your business. If we can answer any questions or offer additional support along the way, please feel free to contact our Customer Response Center BANK(2265), Monday Friday 8:00A.M. to 5:00P.M. Ask us what we can do for you. Page 20