First Financial Bank Online Banking Quick Reference. February, 2013

Transcription

1 February, 2013

2 PURPOSE... 2 SUPPORT... 2 ACCESSING ONLINE BANKING... 2 Getting to the Online Banking Site... 2 Requesting Enrollment in Online Banking... 2 Logging in for the First Time... 2 Registering Your Computer... 3 ONLINE BANKING... 3 Viewing Accounts... 4 Viewing Account Overviews... 4 Using Quick Actions... 6 Account History: Viewing (check images and deposit details)... 6 Account History: Searching... 6 Account History: Exporting Data... 7 Adding an External Account... 7 Managing Transactions... 8 Transactions: Submitting (Approve, Draft, Cancel)... 8 Transactions: Viewing Submitted (Online Banking Activity)... 8 Transactions: Approving Submitted... 9 Transactions: Cancelling Submitted... 9 Transactions: Copying Submitted Recurring Transactions: Creating Recurring Transactions: Cancelling Transferring Funds Account to Account Transferring Funds Person to Person Check Payments: Stopping Viewing/Sending Secure Messages Viewing Secure Messages Sending Secure Messages Deleting Setting Preferences Accounts: Customizing Display Alerts: Receiving Banking Alerts Alerts: Deleting/Editing Banking Alerts Security: Changing Password Security: Adding/Updating Secure Contact Information Security: Setting Up Security Alerts Themes: Changing Mobile Banking Enrollment Statements: Electronic Delivery Customizing Panorama Accessing Panorama Linking Online Accounts Setting a Default Page Customizing the Dashboard Display

3 Hiding the Getting Started Tab Purpose This document lists the steps required to complete common functions in First Financial Bank s online banking system. Support For questions or concerns, please contact First Financial Bank s Client Service Center. Call Toll Free or clientservice@bankatfirst.com. Accessing Online Banking Getting to the Online Banking Site To log in to online banking: 1. From the First Financial Bank web site ( click Account Login. 2. Enter your Online Banking login ID. 3. Enter your Online Banking password, then click Login. Requesting Enrollment in Online Banking You can begin the process to enroll your business/organization in online banking via the First Financial web site. To request enrollment in online banking: 1. From the bankatfirst.com home page, click register for online banking. 2. Complete the registration request form. 3. Click Submit. The confirmation page opens. You will receive an when your online banking setup is complete. Logging in for the First Time To log in to online banking the first time: 1. From the online banking home page at enter your Login ID in the Login ID field. Skip the Password field. 2. Select the I am a First Time User check box, then click Login. 2

4 3. Select a Secure Access Code delivery method that you can access immediately: telephone voice, text message, or , then click Submit. The Secure Access Code is delivered according to the chosen method. The Access Code is good for 15 minutes. After that, the first time login process must be restarted in order for the system to generate a new access code. 4. Enter the Secure Access Code, then click Submit. Do not navigate away from the screen. If you need to access a web mail account to retrieve your code, please open a new browser window or browser tab. 5. Read the online banking agreement, then click I Accept. 6. Make updates to your online profile if desired, then click Submit. All required fields must be entered. 7. Enter a new password twice, then click Submit. Note the password criteria: At least 8, not more than 25 characters. Must contain at least one number and one special character. The login is complete and the account overview page opens. Registering Your Computer As a security measure, the second time you log in or when you log in from different computers, you are provided with the option to register your computer. Typically you register the computer you usually use to access online banking. The computer is registered by means of a cookie that is used to activate the web browser. This is required just one time. If you later log in from a different computer, you can opt for one-time access and avoid browser activation. To register your computer: 1. On the activate browser page, select Activate this computer for later use to register the computer or select Give me one-time access only to avoid browser activation. If you register the computer, online banking will recognize it the next time you log in with the same computer. Online Banking Getting around online banking is easy and intuitive. The left-hand menu provides one-click access to banking functions. The menu is divided into six sections: 3

5 The menu options provide simple navigation. Viewing Accounts The account overview page opens upon log in and displays account summaries. Viewing Account Overviews To open account overviews: 1. In the accounts section of the left-hand menu, click Overview. The account overview page opens. 4

6 Click the section header (minus) or + (plus) signs to collapse/expand a section. Click a column header to sort the list by the header category. Double-click a listed account to open the account history. Mouse over the blue arrow to view the Quick Actions menu. 5

7 Using Quick Actions To use the Quick Action menu: 1. Mouse over the blue arrow to the right of a listed account on the account overview page and select a shortcut from the popup menu. Account History: Viewing (check images and deposit details) To view account history: 1. In the accounts section of the left-hand menu, click Account History. 2. To change accounts, click the Account drop-down, select an account, then click Submit. 3. To display a check image, double-click the Check magnifying glass icon (browser popup blocker must be off). 4. To display deposit details, double-click the Deposit icon (browser popup blocker must be off). Account History: Searching To search account history: 1. In the accounts section of the left-hand menu, click Account History. 2. Double-click a listed account on the accounts overview page. 3. Click the Search drop-down, then select the search criterion. 4. Enter or select the search data for the selected search criterion: check number, dates, etc 5. Click Submit The account history is filtered, showing the search results. 6

8 Account History: Exporting Data You can export account history entries or search results to a number of popular formats. To export account history data: 1. In the accounts section of the left-hand menu, click Account History. 2. Double-click a listed account on the accounts overview page. 3. Click the Display > Output Options drop-down, then click Export to File. 4. Select the file type from the Export list. 5. Click Submit. You are prompted to open or save the file. Adding an External Account You can add one external, non-first Financial bank account and transfer funds into or out of it. To add an external account: 1. In the transactions section of the left-hand menu, click Add External Account. 2. Enter the account information. Ensure the routing/aba and account numbers are correct. For checking accounts, the bank routing and account numbers can be found on one of your checks. For savings accounts, refer to your financial institution to verify the routing number for savings accounts and that the account is eligible for ACH transactions. 3. Click Continue. Two small trial deposits of less than a dollar are made to the external account (funds do not come from your account), typically within three business days. 4. Access your external account after the trial deposits have been received. This typically occurs within a business day or two but depending on banking network transmissions, could be up to five business days. Note the amount of the deposits; you ll need this information to activate the account. 5. Log back in to First Financial s online banking. In the transactions section of the left-hand menu, click Add External Account. 6. On the add external account page, click the link in Step 2 to enter the amounts of the trial deposits, in order to verify your ownership of the account. The link is please click here to enter the amounts and activate your external account. 7. Click Continue. 8. Enter the deposit amounts, then click Continue. The external account is linked and available in Transactions > Transfer Account to Account. 7

9 Managing Transactions Transactions: Submitting (Approve, Draft, Cancel) All transactions must be submitted for approval prior to being processed. You can immediately approve transactions you submit or you can draft a transaction and approve it later. To submit a transaction: 1. Upon completing the transaction details (as illustrated later in the text), click Submit. 2. Click an option atop the page: Approve, Draft, Cancel. Approve Draft Cancel 3. Click OK to confirm. Flags the transaction for processing. The transaction will be executed during the next processing cycle or on the effective date unless it is cancelled prior to processing start. Places the transaction in a drafted status and saves it for later approval. Drafting a transaction DOES NOT submit the transaction for processing. Voids the drafted transaction and puts it into a Cancelled status in Transactions > Online Activity. To reschedule cancelled transactions, they must be recreated. All online transactions (in any status) can be viewed in transactions > Online Activity. Pending transactions can be cancelled prior to processing (see Viewing Online Banking Activity). Transactions: Viewing Submitted (Online Banking Activity) The online activity page lists transactions that have been initiated via electronic banking. To view submitted transaction: 1. In the transactions section of the left-hand menu, click Online Banking Activity. 2. To view transaction detail, select the transaction, then click View. 3. Select additional options from atop the page to manage submitted transactions. Search: Search for a specific transaction or transactions using a variety of criteria, such as status, type, ID, account, etc. Transaction Status: Filter the list (see below). Approve: Cancel: Copy: Schedules the transaction for immediate processing or during the next processing cycle. Cancels the transaction. Valid only for transactions in Drafted or Approved status. Select a transaction and click Copy to create a new transaction with similar attributes. Group By: Group transactions. 8

10 Transactions: Approving Submitted All transactions must be approved prior to processing. To approve a submitted transaction: 1. In the transactions section of the left-hand menu, click Online Banking Activity. 2. On the online activity page, select the drafted transaction to be approved. 3. Click Approve, then click OK to confirm. The transaction is approved and is processed during the next processing cycle or on the effective date. Transactions: Cancelling Submitted Individual submitted transactions can be cancelled, provided their status is Drafted or Authorized. To cancel a submitted transaction: 1. In the transactions section of the left-hand menu, click Online Banking Activity. 2. On the online activity page, select the transaction to be cancelled. 3. Click Cancel, then click OK to confirm. The transaction is cancelled. Cancelled transactions cannot be restored but they can be copied. 9

11 Transactions: Copying Submitted You can copy a transaction to quickly create a new, similar instance. To copy a transaction: 1. In the transactions section of the left-hand menu, click Online Banking Activity. 2. On the online activity page, select the transaction to copy. 3. Click Copy. The transaction details page opens with the transaction information autofilled. You can edit the information and submit the new transaction. Recurring Transactions: Creating You can schedule some transactions to occur repeatedly and automatically. (Recurring bill payment is provided via the Bill Pay option.) Recurring transactions can be defined for Account and Person to Person transfers. To create a recurring transaction: 1. In the transactions section of the left hand menu, select Transfer Account to Account or Transfer Person to Person. 2. In the Frequency section, select the Recurring button, then select the desired options. Payments can be scheduled weekly by day or monthly by calendar day or day of the week. 3. Click Submit, then click OK to confirm. The submit confirmation page opens. 4. Follow the steps in Submitting Transactions. If approved, a recurring transaction is created with a schedule. Pending transactions can be viewed in Online Banking Activity. To delete the recurring transaction schedule, in the transactions section of the left-hand menu, click Recurring, select the recurring transaction, then click Cancel. To delete the current scheduled instance of a recurring transaction, in the transactions section of the left-hand menu, click Online Banking Activity, select the transaction, then click Cancel. A transaction with a status of Processed cannot be cancelled. 10

12 Recurring Transactions: Cancelling You can cancel the schedule of recurring transactions. 1. In the transactions section of the left-hand menu, click Recurring Transactions. 2. Select the recurring transaction to be cancelled. Press and hold the <Ctrl> key to select more than one. 3. Click Cancel, then click OK to confirm. The recurring transfer is cancelled. Any previously submitted transactions are not cancelled. Transferring Funds Account to Account You can transfer funds from one of your accounts to another either as a one-time or recurring transfer. To transfer funds: 1. In the transactions section of the left-hand menu, click Transfer Account to Account. 2. Enter the transfer information From and To accounts, Amount and optional Description. 3. Enter the Transfer Frequency information (see Creating Recurring Transactions to learn about scheduling repeat transactions automatically.) 4. Click Submit, then click OK. to confirm. 5. Follow the steps in Submitting Transactions. If approved, either a one-time transfer is made or a recurring transfer is created with a schedule. All online transactions (in any status) can be viewed in transactions > Online Banking Activity. Transferring Funds Person to Person You can transfer funds from one of your accounts to another account of a First Financial bank client. You can also link another First Financial Bank accountholder's account (for deposit purposes only) to your online login information. If you plan to make more than one transfer to the other accountholder, or if you need to create a recurring or future-dated transfer, linking the account is required. To transfer funds person to person: 1. In the transactions section of the left-hand menu, click Transfer Person to Person. 2. Ensure the Make a single transfer to another First Financial Bank account holder button is selected. 3. Click Continue. 4. Select a From account, enter amount and description (if desired). 5. Enter the recipient s address and last 4 digits of account. 6. Click Continue, then click OK to confirm. 7. On the submit transaction page, click Approve. The transfer is made. Link another First Financial Bank account: 1. In the transactions section of the left-hand menu, click Transfer Person to Person. 11

13 2. Select the Link another First Financial Bank account holder's account to your login for future transfers button. 3. Click Continue. 4. Enter the recipient s address and the last four digits of the account number. The address must match the recipient s First Financial online profile address. 5. Click Continue. The account is linked and appears in the account list drop-down when Transactions > Transfer Account to Account is selected. Check Payments: Stopping To stop check payment: 1. In the services section of the left-hand menu, click Stop Payment. 2. Enter the Account and Payment information. 3. Click Submit, then click OK to confirm. 4. Follow the steps in Submitting Transactions. All online transactions (in any status) can be viewed in transactions > Online Banking Activity. Viewing/Sending Secure Messages Online Banking provides the means for you to receive customized alerts and notices from the bank, as well as send messages to departments at the bank. You can set the alerts you wish to receive by selecting Preferences > Alerts. Viewing Secure Messages To view a secure message: 1. Click the message alert atop the account overview page ( ). Or In the services section of the left-hand menu, click Secure Messages. 2. Double-click a message to open it. Unread messages are displayed in bold text. Select a Group by option to change the viewing order. Sending Secure Messages You can send messages to a department mailbox at the bank. To send a secure message: 1. In the services section of the left-hand menu, click Secure Messages. 2. Click New. 3. From the To drop-down, select a destination mailbox. Enter a subject and message text (1,024 characters maximum). Attach a file if desired. 12

14 4. Click Send, then click OK to confirm. The message is immediately sent. Deleting To delete a secure message: 1. In the services section of the left-hand menu, click Secure Messages. 2. On the secure mailbox page, select the message to be deleted. Press and hold the <Ctrl> key to select more than one message. 3. Click the red X delete icon, then click OK to confirm The message is deleted. Setting Preferences Accounts: Customizing Display You can change account display names, order, number of entries and items displayed. To set account preferences: 1. In the preference section of the left-hand menu, click Account. 2. Set display options as desired. Alerts: Receiving Banking Alerts Alerts preferences allow you to determine when alerts are sent for specific trigger events, such as when: Account balances dip below a threshold. Debit transactions exceed a certain amount. Alerts can be defined in four categories: Account Date History Transaction Alerts based upon account balances are triggered at processing time each day. For example, if an alert value is triggered by an account balance condition during the day on Monday, the alert is generated during the Monday night processing cycle. A secure message or is sent immediately after processing, while a phone notification or text message will be sent at the time you selected on Tuesday. To add Alerts: 1. In the preferences section of the left-hand menu, click Alerts. 2. Click Add Alert and select one of the alert categories: Account, Date, History, Transactions. 3. Enter the Alert Criteria. Each Alert category has its own set of criteria. 13

15 4. Select the Notification Frequency. 3. Enter the Notification Preferences: secure message, phone call, or text message (SMS). For phone and text message, you can set the time of day for notification. Click OK. The Alert is added. An alert message is always sent to your Secure Mailbox in addition to any other Notification Type you choose. Alerts: Deleting/Editing Banking Alerts To delete or edit an Alert: 1. On the Alerts page, select the Alert. For deletion, press and hold the <Ctrl> key to select more than one Alert. 2. Click the edit or delete icon, then click OK to confirm. The Alert is deleted. Security: Changing Password To change your password: 1. In the preferences section of the left-hand menu, click Security. 2. On the Password tab, enter old and new password information. Ensure you observe the password requirements. 3. Click Submit Password Change. Your password is changed. Security: Adding/Updating Secure Contact Information 1. In the preferences section of the left-hand menu, click Security. 2. Click the Secure Delivery tab. 3. To add a new secure contact method, click Add Delivery Contact, complete the form and then click OK. 4. To update a current contact method, select the contact entry in the list, then click the edit icon. Click the delete icon to delete the entry. The secure contact information is changed. Security: Setting Up Security Alerts 1. In the preferences section of the left-hand menu, click Security. 2. Click the Alerts tab. 3. Enter the contact information for the desired method of receiving the alerts: , phone or text message. 4. Select the desired alerts. 5. Click Submit Alerts Changes. The security alerts are added. 14

16 Themes: Changing You can change the look of online banking page header. To change a theme: 1. In the preferences section of the left-hand menu, click Themes. 2. Select a theme from the theme drop-down, then click Submit. The theme change is reflected atop online banking pages. Mobile Banking Enrollment To access mobile banking, you must enroll. To enroll in mobile banking: 1. In the preferences section of the left-hand menu, click mobile. 2. Select the check box: Yes, enable my User ID and Password for use on my mobile device. Enter your address and click Send to have the mobile banking URL sent to your mobile inbox. 3. Click the Mobile Authorizations tab. 4. Enter a four-digit Authorization Code. You are required to enter this code for certain transactions when using Mobile Banking services. 5. Click Submit. You are able to access online banking via your mobile device. Statements: Electronic Delivery To have statements delivered electronically: 1. In the preferences section of the left-hand menu, click e-delivery Enrollment. 2. Select the delivery and options for each account. 3. Select the I agree to the terms of the agreement check box to acknowledge the e-delivery terms. 4. Click Submit. Future statements are delivered according to your selection. Customizing Panorama Panorama is First Financial s personal financial management tool. Using Panorama, you can collect your financial information from multiple sources, including other financial institutions, into one central location, creating a consolidated view. It s free and all new online banking clients are auto-enrolled. Accessing Panorama To access Panorama: 1. In the Services section of the left-hand menu, click Panorama. The Getting Started tab opens. 15

17 Linking Online Accounts Panorama can access thousands of financial web sites. You must have functioning log in credentials on the web site in order to link it to Panorama. To link online accounts to Panorama: 1. Click the Panorama tab. 2. If the Account Summary page is not displayed, click Accounts > Account Summary. 3. In the Quick Links section, click Link an Account. 4. Search for the Financial Institution and select it or select from a listed popular financial institution. 5. Enter your log in information for the account s web site. 6. Click Link Account. The account is linked and appears on the Account Summary page. Setting a Default Page To set a default page: You can determine which page is the default or home age in Panorama. 1. Click the Panorama tab. 2. Click the Options tab. 3. Click Edit Application Preferences. 4. In the Choose Default Home Page section, select the desired page. 5. Click Update Preferences. The default page displays the next time you log in to Panorama. Customizing the Dashboard Display You can select which sections appear on the Dashboard. To customize the Dashboard display: 1. Click the Panorama tab. 2. Click the Options tab. 3. Click Edit dashboard Display. 4. Select the desired modules. 5. Click Update Modules Shown. The Dashboard reflects your selections. Hiding the Getting Started Tab You can hide the Getting Started tab so that you proceed directly into the Panorama tab when accessing Panorama. 16

18 To hide the Getting Started tab: 1. Click the Panorama tab. 2. Click the Options tab. 3. Click Disable Get Started. 4. Click Disable Get Started again. The Getting Started tab is hidden. 17