WNB Mobile Banking. User Guide. Jack Henry & Associates, Inc

Transcription

1 WNB Mobile Banking User Guide Jack Henry & Associates, Inc

2 Contents User Guide Notes...1 Mobile Banking Options... 1 Smartphone Enhancement... 1 Mobile Banking Web User Guide...2 Enrolling through Traditional Internet Banking... 2 Self-Enrollment... 4 Landing Page... 6 Locations... 7 Classic View... 9 Log in to Mobile Banking... 9 Alerts... 9 Transactions Transfers Bill Pay Cash Management Smartphone View Log in to Mobile Banking Navigating Alerts Transactions Transfers Bill Pay Cash Management Mobile Banking Text How-To Enrolling for Mobile Banking Text Balance Request History Request Valid SMS Messages Frequently Asked Questions a i

3 User Guide Notes Mobile Banking Options WNB Mobile Banking is available to phones with web access as well as phones that do not have web access, but are text-enabled. You will find instructions and screen shots for the Classic View, Smartphone enhanced views (available on Andriods and iphones with the WNB Mobile app), and Mobile Text banking. The screen shots in this manual are examples only. The actual mobile banking screens may look slightly different. Smartphone Enhancement The smartphone enhancement offers your iphone and Android users an improved mobile banking experience. It updates the look and feel of mobile banking for today s sophisticated mobile devices. Example of accounts listing page in classic (left) and smartphone (right) views: Page 1 of 37

4 Mobile Banking Web User Guide Enrolling through Traditional Internet Banking Step 1: Log in to Internet Banking on a computer. Step 2: Select Options > Mobile Settings > Web Mobile Banking. *Note for Cash Management Users: Cash user must have full or partial administrative rights to enroll in Mobile Banking. Step 3: Select to enable web access, select to receive/not receive text message alerts, enter mobile phone number, select provider, select accounts to access via web. Click Submit. *Note: If No is selected for Receive Text Message Alerts, end-user will not receive a text message for confirmation of enrollment, transfers, or bill payments. **Note: At initial enrollment, the first account will already be checked Page 2 of 37

5 Step 4: Review enrollment information. Check I accept these full terms and conditions. Click Confirm. Step 5: A confirmation screen displays confirming enrollment. If text alerts have been chosen in the previous step, the end-user receives a confirmation text message that includes the URL to access Mobile Web Page 3 of 37

6 Self-Enrollment Self-enrollment means that the user can enroll for mobile banking through their mobile device. Who can use self-enrollment? Users who have previously logged in to the traditional Internet Banking successfully Users with a WNB Internet Banking ID in an ACTIVE status Users who are not in the middle of a password reset Step 1: Navigate to mobile banking site. Enter your Internet Banking ID (or nickname) and PIN (Password). Step 2: Accept terms and conditions by clicking checkbox next to I Agree. Click Next to continue Page 4 of 37

7 Step 3: a) Choose whether to receive transfer and payment confirmations via text message. b) Enter mobile device number. This does not have to be the same number as the phone being used. c) Select the wireless provider for the phone number. d) Click Enroll Now to complete the self-enrollment. Self-enrollment enrolls ALL Internet Banking accounts in mobile banking. The user can log in to traditional Internet Banking to deselect accounts, unenroll, or make changes to their enrollment text preferences. System Message Meaning Pwd Expired User s PIN is in a reset status. Account Not Active Self-enrollment is not enabled. Account not enrolled. Please accept the terms User needs to select I agree checkbox. and conditions to continue Please enter a valid Phone Number User needs to enter a complete phone number. Please select a Wireless Provider User must select wireless provider from the dropdown menu Page 5 of 37

8 Landing Page This page only appears when the Locations option is enabled. Mobile Banking directs users to the log-in screen for WNB Mobile Banking. Locations allows searches for branch/atm locations or view all branches/atms. Classic View for smartphones allows the user to exit the smartphone look and feel Page 6 of 37

9 Locations Click Show All Locations or Display All Locations to see a listing of all branches and ATMs. In classic view, four locations display at a time. Click Next to advance through the list. Smartphone users can scroll their browsers to see all locations and touch the Locations icon to return to the Locations home screen Page 7 of 37

10 You can also search for locations by ZIP code, street name, city or state. Likewise, you can search only for locations with either a branch or ATM. In the smartphone example, you can see the user searching for all ATMs in Kansas Page 8 of 37

11 Classic View Log in to Mobile Banking Access your FI s mobile site at <your site here> and enter your ID and Password. Select Mobile Banking. Cash management users must have Single Sign-On (SSO) enabled. It is possible to be prompted for your personal security questions from a mobile device. Alerts Select View Alerts from the Main Menu. *The View Alerts option only displays if you have new alerts to view Page 9 of 37

12 A list of your current alerts displays. Click on the alert for more detail. Click Main to return to the Main Menu Page 10 of 37

13 Transactions Select My Accounts from the Main Menu. From the list of accounts select which account you want to view. A summary screen with your Account Balance displays. Select Transactions from the summary screen. Transactions from the last 15 days display in groups of 4 transactions per page. Select the date for transaction details. Select Back to return to the list of transactions. From the transaction list select Accounts to return to the list of accounts or Main Menu to return to the home menu Page 11 of 37

14 Transfers Select Transfers from the Main Menu. Choose the account to transfer funds from. Choose the account to transfer funds to. Enter amounts in the dollars and cents fields and select Submit. A confirmation message and number display after the transfer is complete. An SMS text message will be sent to confirm the transfer. *You can only set up one-time immediate transfers via mobile banking Page 12 of 37

15 Bill Pay Select Pay Bills from the Main Menu. Select the Payee. Select the account you want to pay the bill from. Enter amounts in the dollars and cents fields and select Submit. A confirmation message displays after the bill payment is complete. An SMS Text Message is sent to confirm the payment if text alerts have been enabled. If you are not currently enrolled in Bill Pay, clicking on the Pay Bills link will present you with the option to request enrollment from Winona National Bank. Follow the on-screen prompts to submit your request for Bill Pay enrollment. *You can only set up one-time immediate bill payments via mobile banking. Payments will process during the next bill pay processing time Page 13 of 37

16 Cash Management Cash Management for WNB Mobile allows users to release ACH and wires if they are authorized to do so in traditional Internet Banking Cash Management. Single Sign-On (SSO) is required for Cash Management users to be able to use mobile banking. Initiating ACH Step 1: Select Cash Management from the main menu. Step 2: Select Initiate ACH Page 14 of 37

17 Step 3: Select the batch from the batch listing by clicking on its name. Four results display at a time in alphabetical order. Click Next to display the next four results. Step 4: Information about the batch displays. Select an effective date. If desired, check the Reset amount to $0.00 so that batches dollar amounts are zeroed out after processing Page 15 of 37

18 Step 5: Click Initiate. A confirmation screen displays Page 16 of 37

19 Initiating Wires Step 1: Select Cash Management from the main menu. Step 2: Select Initiate Wire. Step 3: The wires list displays. Select a wire by clicking on the wire name. The screen displays four wires at a time in alphabetical order. Click Next to display the next four wires in the list Page 17 of 37

20 Step 4: Wire information displays. Enter your wire PIN and click Transmit. Step 5: A confirmation screen displays Page 18 of 37

21 Smartphone View Log in to Mobile Banking Navigate to winonanationalbank.com and click on Mobile Banking Login. Enter your Internet Banking ID and PIN to access the smartphone view of mobile banking. Select Locations to search or view our branches and ATMs. Select Classic View for the original look and feel of mobile web banking Page 19 of 37

22 Navigating Available activities are accessed using icons at the bottom of the screen. Scroll through accounts or transactions by swiping up or down on the screen. When doing transfers, swipe the screen up and down to access more accounts Page 20 of 37

23 Alerts Touch the clock icon in the navigation menu. Select the alert name for more details Page 21 of 37

24 Transactions Navigate to the My Accounts menu by selecting its icon. Select the account by clicking anywhere on its name, balance, or the word transactions. Scroll through the transactions by swiping up or down. The number of transactions displayed here depends on the Display Options for this ID on regular Internet Banking Page 22 of 37

25 Transfers One-time, immediate transfers can be made using mobile banking. Select the Transfers icon in the navigation menu. Select the account to transfer FROM and the account to transfer TO. Fill in the dollar amount and press Submit Page 23 of 37

26 Bill Pay One-time payments can be made through mobile banking. The payment date is immediate (unless entered on a non-processing day or after noon Central Time.) The payment will process at the next bill pay processing time. Select the account from which to pay. Select the payee. Fill in the dollar amount and press Submit Page 24 of 37

27 An SMS Text Message is sent to confirm the payment if text alerts have been enabled. If you are not currently enrolled in Bill Pay, clicking on the Pay Bills link will present you with the option to request enrollment from Winona National Bank. Follow the on-screen prompts to submit your request for Bill Pay enrollment Page 25 of 37

28 Cash Management Cash Management for WNB Mobile allows users to release ACH and wires if they are authorized to do so in traditional Internet Banking. Single Sign-On (SSO) is required for cash users to be able to use mobile banking. Initiating ACH Step 1: Select Cash Mgr from the main menu Page 26 of 37

29 Step 2: Select Send ACH. Step 3: Select batch. Select effective date. If desired, check the Reset amount to $0.00. Click Initiate Page 27 of 37

30 A confirmation screen displays Page 28 of 37

31 Initiating Wires Step 1: Select Cash Mgr from the main menu. Step 2: Select Send Wire Page 29 of 37

32 Step 3: Select wire. Enter Wire PIN. Click Transmit. A confirmation screen displays Page 30 of 37

33 Mobile Banking Text How-To Enrolling for Mobile Banking Text Enrolling for text banking must be done through the traditional Internet Banking site. Step 1: Log into Internet Banking. Step 2: Select Options > Mobile Settings > Text Mobile Settings. Step 3: Check Enable text access for your mobile device. And review terms & conditions. Check Accept Winona National Bank Text Banking Terms & Conditions. Step 4: Enter mobile phone number, select wireless provider, select accounts to access via text, and create Mobile Short Name for each selected account. Click Submit. Mobile Short Name is the name included in the text to request information for a specific account. Ex: By making your checking accounts Mobile Short Name Chk, texting Bal Chk returns only the balance of the account with Chk as the mobile short name. While texting Bal returns the balance of all accounts Page 31 of 37

34 Step 5: Review infortmation and make sure it is all correct and then hit Confirm on the bottom right of the page. Step 6: You should receive a text message on the phone you entered to be set up with mobile banking. In order to complete the enrollment you must reply YES to the message sent. Step 7: Your enrollment is complete! You will receive a confirmation text to ensure you have completed the mobile banking enrollment process. Text STOP to end or text HELP for information regarding your mobile banking Page 32 of 37

35 Balance Request Text Bal to request balance information for all enrolled accounts. Text Bal <Mobile Short Name> to request balance information for a specific account Page 33 of 37

36 History Request Text Hist to request last four transactions for all enrolled accounts. Text Hist <Mobile Short Name> to request last four transactions for a specific account Page 34 of 37

37 Valid SMS Messages <5-digit number> Help Bal Bal <mobile short name> Hist Hist <mobile short name> Stop Security code texted to when enrolling or changing enrollment information Returns command references Returns balance for all enrolled accounts Returns balance for specified account Returns last 4 transactions for all enrolled accounts Returns last 4 transactions for specified account Disables enrollment for text mobile banking *Note: SMS messages are not case sensitive Page 35 of 37

38 Frequently Asked Questions Q. What are the restrictions on the type of mobile devices that can be used to access accounts? A. WNB Mobile is phone device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic. Q. What functions can I perform from my mobile device? A. You can: View Transaction History View Account Balances Transfer Funds between accounts View Alerts Release ACH and wires Q. How do I know if my transfer was entered successfully? A. If you have selected to receive text alerts, each time you make a transfer, a confirmation SMS Text Message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via traditional Internet Banking. Q. What if I no longer want to be a mobile user? A. Log in to your Internet Banking through a computer. Select Options > Mobile Settings > Deselect Activate Mobile Banking Access > Click Agree. Q. What happens if I lose my mobile device? A. For Web-enabled phones: Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number. For Text Mobile Banking: Login to Internet Banking through a computer, Options > Mobile Settings > Text Mobile banking, and turn off mobile banking. Q. What happens if I lose communication/signal during a transaction? A. When you complete a transaction from your mobile device you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process. Q. What do I need to do if I get a new phone? A. If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your Internet Banking account on a computer and update your information on the Options > Mobile Settings page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct Page 36 of 37

39 Q. How can I search for a transaction? A. You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature. Q. Can I use any mobile device to access my accounts? A. Yes, if you are using a web-enabled phone. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS text messages will be sent to the phone number entered when enrolling for mobile banking, not necessarily the device from which you perform a transaction. Q. What if I can t get my mobile device to work with Internet Banking? A. There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. To use the mobile version, your phone needs to meet the following minimum requirements: 1. Your mobile device must be web enabled. 2. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.) Page 37 of 37