Online Services User Guide

Transcription

1 Online Services User Guide Welcome to Online & Mobile Banking! Whether you re online or using a mobile device, manage your money whenever and wherever it s convenient for you. Access Visit BankMidwest.com Online Banking ID: Password: Last 4 digits of primary account owner s SSN or TIN Customer Support customersupport@bankmidwest.com First Time Log In Online Banking ID Enter your 12-digit ID in the online banking login box and click the submit button. Tip: You can always login with this ID number; however, you can also set up an ID that s easier to remember under the Settings tab. Choosing Passwords Your initial password is the last four digits of the Social Security Number or Tax Identification Number used to open the account. Change your password using the following tips: Choose a password that is between 8 25 characters. A password must contain at least one letter and one number. Symbols strengthen passwords but are optional. Avoid using birthdays, children s names, or other obvious words that fraudsters could guess. Select an Image Choose a Personal Identification Image from the library available. Each time you enter your Online Banking ID, verify the image displayed to ensure you ve accessed our legitimate banking site. If you don t recognize an image, make sure you ve entered the correct User ID. Password Reset Set up the ability to reset your own password whenever you need to. Under the Settings tab, enter a Personal Question and Personal Answer that only you would know. In the future, if you forget your password, click the Forgot password? link. Answer the Personal Question correctly and update your password through a web link that will be ed to the address you provided. xxxxxxxxxxxx Last Updated: May 3, 3016 Member FDIC

2 Security One of the first times you access your accounts online, we ll ask you to choose and answer three (3) Personal Verification Questions. During future sessions, we ll ask you some of these questions if we feel there is a possibility that someone other than you is attempting to access your information. Please choose answers that you will remember. Incorrectly answering questions can lead to your account access being disabled. Security Reminders We will NEVER you for your personal information. Any claiming to be the bank requesting personal information such as Social Security numbers, IDs, or passwords should not be trusted or opened. Do not write down your password. Use a unique password to access online banking. Keep it different from passwords used for other sites and applications. Always end your online banking session by clicking Logout before leaving your computer. Settings Use the Settings tab to enroll or update the following options: Personal Update your address. Create an Online Banking ID (4 or more characters) that s easier to remember instead of your assigned 12-digit ID. Change your password. Set up your Password Reset Question and Answer. Accounts Give your accounts pseudo names (nicknames) that are easier to remember. For your protection don t use your full account number. Shorten it up to the last three digits. For example, use Checking 348. Edit the order in which accounts are displayed by dragging and dropping the accounts listed to your preferred order. Display (also applies to mobile banking) Edit the number of accounts displayed per page. Edit the number of transactions displayed for your accounts or bill pay. Update the setting to confirm when funds are transferred. Alerts Set up , text or alerts when you log in to your online banking account to notify you of important acccount activity: Events Direct deposits, funds transfer, statements, etc. Balance Notification when above or below a target. Item Notification of cleared checks. Personal Set up personalized reminders. ATM/Debit Card Activate a new card. Report a card as lost or stolen to cancel it. This action cannot be reversed. Contact a branch or stop in for a new card. Reorder a debit card if yours is damaged. (Or, stop in at a branch for a card to be instantly issued.) Mobile Settings (See the Mobile Banking section in this guide for additional information.) Enroll in mobile banking and update your settings. Set up text banking and make updates as needed.

3 Online Banking Accounts View all of your accounts at a glance along with current balances and account status. The account listing is your default start page (unless you change it to customizable pages My View or the Payment Center). For every account listed, a Select Option drop-down menu displays a list of items you can view or activities you can do online depending upon the account type: Transactions, Download, Temporary Statements, Stop Payments, Transfers and Account Information. Transactions Click the account name link or select Transactions from the drop-down menu next to an account to see the detailed listing. Transaction history is available for 90 days. Transaction List Options: Choose number of transactions displayed View check images Sort columns to customize view Switch between accounts Transaction Search Select Search from the Transaction sub-menu to search transactions by date, dollar amount, credit, debit, description or check number. Download Transactions Download transaction details for the last 90 days: Select Download from the Options menu next to an account. Choose a Date Range and File Format: Microsoft Money, Quicken, QuickBooks, Personal Finance, spreadsheet or text. Click Download. Stop Payments Select Stop Payments from the drop-down menu next to an account. Fill in the required fields and click Submit. Important Information Contact the bank to edit or remove a stop payment. Print out the stop payment confirmation page, sign, and mail, fax, or bring in to your local branch within 14 days. Stop payment fees will be deducted from your account in accordance with the terms of your account. Temporary Statements Select Temporary Statements from the drop-down menu next to an account. Statements are available in PDF, HTML, and text formats. Statement history is available for 120 days. Note: Temporary Statements do not qualify as a delivered statement. Please use the Documents tab to set up your online statement delivery which allows you to save them to your computer as.pdf files or view them online for up to 18 months from date of enrollment.

4 Transferring Funds My View Choose Transfers from the drop-down menu next to an account. Select which accounts you re transferring funds from and to. Enter the Transfer Amount, Frequency, and Transfer Date. Click Submit and Confirm to complete the transfer. Pending and Completed Transfers Select Pending Transfers to view, edit, or delete a scheduled transfer. To see a list of completed transfers, select Transfer History. Transfer history is available for 90 days. Transfers submitted online before 8 p.m. (CT) on a business day will be posted to your account the same day. Transfers submitted after that time, or on Saturday, Sunday or banking holiday will be posted to your account the next business day. Customize a dashboard-style view of a variety of account information balances, transactions, payments, etc. based on what s important to you. Display or remove parts of the page (called widgets ). Select the order that each widget appears (top to bottom) within the column. Choose to make this customized view as your default starting page when you first login. Mobile and Text Banking Tom Test Access your accounts on the go using your mobile device. It s free!* Mobile Banking is set up for smart devices with internet access and allows you to make transactions (like transfer funds or pay bills) and view account balances and transaction details. Text Banking requires texting service on your phone and provides limited information only account balances and recent transactions. If you own a smart device, the mobile app is a quick way to log in to your accounts, once you ve downloaded the app to your device. Or, simply open your web browser and navigate to bankmidwestmobile.com. Mobile Banking App Download the Bank Midwest Mobile app to your device. For iphone, ipad and ipod Touch Devices 1. Click the App Store SM icon. 2. On the Search screen, type in Bank Midwest to find the app. Tap to open. 3. Tap the Install button to download. Enter your Apple ID, if prompted. Apple, the Apple logo, ipad, iphone, and ipod Touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. For Android TM Devices 1. Click the Google PlayTM store icon. 2. In the Search box, enter Bank Midwest to find the app. Tap for app details. 3. Tap the Install button to download. Android and Google Play are trademarks of Google Inc. If you ve logged in to online banking before and have an active online banking ID, tap the Bank Midwest app icon to open and enroll in mobile banking. If not, you must first activate your online banking ID from a computer to get started.

5 Mobile Deposit Deposit checks with your smartphone or tablet. Simply snap photos to deposit to your account. Mobile deposit provides convenience and saves you a trip to the bank. Best of all, you already have it available if you ve downloaded our mobile banking app. 1. Tap the Deposits tile in the home dashboard. 2. Touch the camera icon next to Check Front. Center the check in the blue lines and take the picture. 4. Endorse the check For Deposit Only and sign your name. Take the picture of the back of the check in the same way you did the front. 5. Enter the amount of the check and select Deposit to next to Choose Account. 6. Select Deposit Check. Watch for a confirmation to indicate that your deposit was successful. Review your deposit or deposit another check. Note: Please hold the endorsed check for 30 days before disposing of it to ensure the photos capture the check data accurately. Securely shred or incinerate this check when disposing of it. Mobile check deposits will show in your account transaction listing three times per day: mid-morning, early afternoon and late evening on business days. Mobile App Tip: Manage your Debit Card Activate a new card. Report a card as lost or stolen to cancel it. This action cannot be reversed. Contact a branch or stop in for a new card. Reorder a debit card if yours is damaged. Or, stop in at a branch for a card to be instantly issued. Suspend a debit card to temporarily place a hold or freeze on the card. Remove the hold to use your card. Mobile Web: bankmidwestmobile.com If you ve logged in to online banking before and have an active online banking ID, you can power up your mobile browser bank on the go. First, you ll need to enroll in mobile banking. 2 Options to Enroll in Mobile Banking 1. Enroll with Your Mobile Device Open the Bank Midwest Mobile App or use your mobile web browser to visit bankmidwestmobile.com. Log in using your Online Banking ID and Password. Accept terms and conditions by clicking checkbox next to I Agree. Tap Next to continue. Choose whether you want to receive transfer and payment confirmations via text messages*. Enter your mobile number and select your wireless provider and click Enroll Now. Note: This will enroll ALL of your online accounts in mobile banking. * There is no fee from Bank Midwest. Connectivity and usage rates may apply. Contact your wireless provider for more details.to remove accounts from mobile access or change your text preferences, log in to the online banking from your computer and update this information under the Settings tab. 2. Enroll with Your Computer If you re already banking online from your computer, set up mobile access to your accounts: Visit bankmidwest.com and log in.

6 Go to the Settings > Mobile Settings > Web Mobile Settings page and select the Enable Web Access check box. Choose whether you wish to receive transfer and payment confirmations via text message alerts. Note: If you select No, you will not see a confirmation text alert of your enrollment, fund transfers or bill payments. You ll need to review transaction screen details to confirm your account request was received and completed. Enter mobile phone number and select your provider. Choose the accounts that you wish to access via mobile web banking. Click Submit. Review enrollment information and Terms and Conditions. Click Confirm to finish enrolling. Open the Bank Midwest Mobile App or point your mobile web browser to to log in and access your accounts from your mobile device. Text Banking Need your balance? Did your check clear? It s only a text away. Sign up today. It s free!* Enroll in Text Banking Online Visit bankmidwest.com and log in to Online Banking. Select Settings > Mobile Settings > Text Mobile banking. Enter your mobile phone number. Select the accounts to access via text. Create a Mobile Short Name** for each selected account. Click Submit. Review enrollment information. Check I accept these full terms and conditions and click Confirm. You ll receive a text indicating your enrollment request. Reply YES to activate the text banking service. Note: Joint account owners need to set up separate Online Banking IDs in order to access text banking from multiple phones. Enroll online or contact your local branch for assistance. Valid Text (SMS) Messages Bank Midwest Short Code: Bal Hist Help Stop 5-digit validation code Returns balance for all enrolled accounts Returns last 4 transactions for all enrolled accounts Returns command references Disables enrollment for text mobile banking Received only when enrolling or changing enrollment information Text Banking Tips: Text messages are case sensitive. Add Bank Midwest s short code, 89549, to your Contacts list for quick access. Never text your account number. Use the Account Short Name. *There is no fee from Bank Midwest. Connectivity and usage rates may apply. Contact your wireless provider for more details.

7 Documents Online Statements Online statements are secure and won t get lost or stolen in the mail. To receive statements and/or notices online, log in to Online Banking: Select the Documents tab and the Details link to select which accounts to enroll. The + sign expands all docs available for online delivery. Confirm your for online delivery and enter a security phrase that will appear in the subject line to help you verify the s authenticity. Select Click Here to get an Enrollment Passcode. Enter the code. Review and agree to the Terms and Conditions. Click Enroll Now. Watch for a confirmation for successful enrollment! Statements and Notices View all online statements and notices by account for up to the past 18 months from date of enrollment. Additional Recipients Send a copy of your online statement or notices to a second address. Set up the recipient by entering contact details and password. Reconciliation Wizard Balance your latest statement online using this easy-to-use wizard. Bill Pay Making Payments Has Never Been Easier Add payees and make payments in just a few clicks. The first time using Bill Pay, you will need to select the account(s) you wish to use for paying your bills. Click Submit. Review and agree to the terms to set up the bill pay service. Add Payees. Enter information for each person or company to which you want to submit online bill payments. Add New Payments. Schedule one-time or recurring payments. Use the bill pay calendar and reminder alerts to help you manage your payments. Read on for more details. Payments Dashboard From the bill pay dashboard, you ll be able to: Pay in just one click. Find the person or company, enter the payment amount and date, and click Pay. Add a new payee. Click the Add a payee button to add a person or company. Make recurring payments and save time each month. Select Make it recurring next to your payee. See payment amounts and due dates of upcoming bills. Click on the ebill icon under your electronic payee s name, if available.

8 Add Payee When you click the Add a Payee button, you ll see options to pay a company, person or another bank. Some payees accept payments electronically. Others only accept printed checks which will be mailed from our centralized processing center. Add Payee: Company Enter the company s contact information and account information from your billing statement. After you submit this information, the payee will appear in your payments dashboard. Add Payee: Person When paying a person, you have three options based on the information you have about them: Provide the person s address and a secure password. They ll receive an prompting them to log in to a secure site where they need to enter their account information. and the password you set up for them. A payment is deposited electronically from your account into the recipient s account. Account Information: Provide the individual s bank routing number and deposit account information. A payment is sent electronically. Mailing Address: Provide the individual s mailing address and a paper check will be mailed. Add Payee: Bank or credit union To make loan or credit payment at another financial institution, simply enter the routing number and account information. Important Note: Allow 2-3 business days to process an electronic payment and 5-7 business days for a check payment. The Deliver by date shown on the dashboard is an estimate only. Payments Make a one-time payment 1. Find your payee on the payments dashboard. 2. Enter the payment amount and date. 3. Click the Submit all payments button. Set up a recurring payment 1. Find your payee on the payments dashboard. 2. Select Make it Recurring. 3. Choose the pay from account, payment date, frequency and first payment date. 4. Click Submit. History View 18 months history by clicking the View History text link at the bottom of the payments dashboard. View payments prior to our upgrade by clicking the text link Prior to 03/16/2015 in the top navigation on the history screen. Set Up ebills (Electronic Bill Delivery) When you set up ebill, for companies that offer it, you ll receive bill summaries (amount and due date) right on your payments dashboard. 1. Go to the payments dashboard and select Set up ebill under the payee s name. 2. Enter your login credentials for the payee s website and accept the terms and conditions. Submit. Bill Pay Tips: Explore the Calendar, My Accounts and Help sections for additional features to manage your payments. Share bill paying duties with someone else. Under the My Account tab, verify another account owner to use your account to pay bills online bill payment function for your account.