Apple Bank Online Banking Guide

Transcription

1 Apple Bank Online Banking Guide 24/7 Banking Financial Management Funds Transfer Bill Payment Convenient, Easy to Use Secure Table of Contents Online Banking Overview - Convenient, Easy, Secure 1 Registration - Fast and User Friendly 2 My Accounts - Activity at a Glance 3 Internal and External Transfers - Easily Transmit Funds 5 Online Bill Pay - Control When You Pay Bills 7 Account Services - Manage Your Profile, View Check Images and estatements 10 Help Screens and Quick Links - Help You Get It Done Fast Your Online Security - Useful Tips Back Cover Back Cover

2 1 Overview Apple Bank Online Banking. Because Time is Money. You shop and socialize online 24/7 to save time. Enjoy the same control and convenience with Online Banking! Online Banking is Convenient and Easy to Use. View our Online Banking Demo on the Apple Bank web site home page at to see how easy Online Banking is to use and navigate. Click the gold Register button on the home page to sign up for Online Banking and follow the easy instructions. Online Banking is Secure. Apple Bank Online Banking employs security in two ways. 1. You control account access with your personal User ID, Password and photo authentication. 2. We achieve security of data transmission over the Internet by requiring the use of a browser that includes 128-bit encryption and Secure Socket Layer (SSL), the highest level of data encoding available. Look for the following indicators: Note the https on our web site address line -- the s in the address denotes secure. On every page of the Apple Bank web site and within Online Banking, the padlock icon on your computer screen denotes 128-bit encryption and Secure Socket Layer (SSL). Convenient Online Banking Features Save You Time. Conduct your banking, manage your finances and transfer funds conveniently and securely with the Money HQ sm service* -- from the location you choose, 24/7. Pay bills online** to control when you pay your bills, and save on postage, too. Online Banking comes with convenient and secure electronic statements.*** Bank on the Go with Mobile Banking.**** Whether you have an iphone, Android TM, BlackBerry or other popular mobile device, Mobile Banking provides a version of your existing Online Banking and Bill Payment service that has been specially formatted for display on your screen. With Mobile Banking, you ll be able to securely view your account information, make bill payments to your existing payees, conduct internal transfers between Apple Bank accounts, and send and receive messages within your Online Banking session. To get started, simply login from the web browser on your mobile device with your existing User ID and Password. You may wish to bookmark the Apple Bank mobile home page for fast access. View our mobile banking demo at to learn more. Mobile Banking is protected by encryption and firewalls, and complies with regulatory requirements. It does not save User IDs or Passwords. Each Mobile Banking session requires a full login and utilizes Inactivity Timeout. Start saving time with Online Banking today! On the following pages, we ll show you how. *Certain fees apply. **Refer to the Online Banking Services Agreement for more information regarding Bill Pay costs and service fees. ***If you prefer to receive your statements by mail, you can change to paper statements through the secure online banking session. Once online, select the Account Services tab and then Online Statement Options and follow the prompts. ****Data fees may apply from your mobile carrier. Set up of new Bill Pay payees, access to Money HQ sm and external transfers, and registration for Online Banking are not available through Mobile Banking. These functions must be conducted through the full Online Banking platform. Online Banking screen shots are used with permission of ACI Worldwide, Inc. for informational purposes. Online Banking screen shots Copyright Online Resources Corporation.

3 Our easy Online Banking registration takes just a few minutes. Complete the Application Form It s easy to register for Online Banking from the Apple Bank web site home page. Click the Register button to get started. On the Welcome screen, click Sign UpN o w. A screen with the Application Form will be displayed. Enter the requested information in the fields, click Submit and follow the prompts. You will be prompted to select a User ID, Password and personal image for authentication. Once completed, your registration will be sent electronically to Apple Bank for processing. Registration 2 Steps to Complete Your Application Form Individual Accounts. All Online Banking users must maintain an account with Apple Bank and have a Social Security number. After completing the Online Banking Application Form, please check the information entered for accuracy. Click Submit. The information will be matched with the account information we have on file for you. Joint Accounts. All account owners must independently complete the registration process, using their own personal pedigree information. The steps to enroll are the same as for individual accounts. Terms and Conditions. The Online Banking Terms and Conditions will be presented during registration (Online Banking Services Agreement). Read the disclosures provided and if in agreement, place a check in the checkbox stating, I have read the above disclosures and agree to their terms and conditions. You may print a copy of the Online Banking Services Agreement for your records. Please note that this agreement can always be accessed through a link on the Apple Bank web site home page. Personal User ID. The User ID will be used for login so be sure it is easy to remember. The User ID needs to be 8-20 characters in length and may include letters, numbers or a combination of both. Password. The prompt for Password is displayed on the same screen as User ID. Passwords are 8-32 characters in length. The Password must contain at least one letter, one number and a special character from the following list: \: <, >.?/and space. Keep your password confidential and in a safe place. Password Reset Question. The Password Reset question option is displayed on this same screen. It is activated in the event you forget your original Password. You will be prompted to submit this question and answer so the system can identify you and allow you to create a new Password. Select a question and answer that you can easily remember, and keep it confidential. Should you forget your Password at any time, select the Forgot Password link when logging into Online Banking. Image Authentication. You will be asked to select a personal image and name for added security during the login process. Additional Security Questions. Apple Bank utilizes additional security features that are used from time to time during the regular login process as an additional protective measure to validate your identity. You may be asked to select these questions at the time of registration or upon login at a later date. Online Banking Activation. The majority of applications will be approved immediately. This means users will immediately see their Online Banking accounts page. If the registration is pending, we will make every effort to process it within two business days, but it may take longer. Online Banking Access. From the Apple Bank for Savings web site home page, click the Login button to access your Online Banking service. You will be prompted to enter your User ID. Once submitted, follow the prompts. Be sure to enter the Password carefully -- be attentive to case sensitivity. Also, do not proceed if the security image is not presented or is not the one selected by you.

4 3 My Accounts My Accounts is the first screen you see after login. Quickly access summaries and detailed views of your account activity. Select any tab from this screen to access a specific Online Banking service. Accounts Summary is your user-friendly dashboard overview, which allows you to quickly review your account information. Review your deposit and loan accounts with Apple Bank. View your external accounts (in the Money HQ sm section). Check your scheduled bill payments and transfers. Account Activity provides a drop-down menu of all your Apple Bank accounts. Click on an account name to view and track detailed activity, check current balances, reconcile your accounts and more. Click on a specific transaction to get further details. Click on a check number to view the associated check image. (Note: You must have Adobe Reader installed on your computer to view check images.) Online Activity allows you to view details of recently scheduled payments and processed transactions for up to 365 days of activity. The default settings will display the activity for all your accounts combined. You may also select a specific account you wish to view from the drop-down menu. Edit future payments and transfers through the Scheduled Transactions list. Inquire about the status of completed or in-process transactions through the Processed Transactions list. Once a transaction is in process, it can no longer be edited. This screen can be accessed through the Bill Pay tab as well.

5 My Accounts 4 MoneyHQ sm is your online financial manager. Make transfers to and from other institutions, view external account information, aggregate account information, set up alerts and track expenditures. Registering for MoneyHQ The first step is to enroll. Click on the Get Started link in any box on the Welcome page to begin MoneyHQ registration. You will be prompted to verify your address and date of birth. Make any changes needed and click Submit to continue the registration process. Before submitting your registration, click on the MoneyHQ Fees button to review any applicable fees. Scroll down and read the MoneyHQ Addendum to the Online Banking Services Agreement. You may print a copy of the agreement for your records. If you accept the terms and conditions of the agreement, click I Agree. A confirmation screen confirms acceptance for MoneyHQ. Click Continue. The Welcome page will reappear, with links to set up the MoneyHQ services of your choice, as noted below. MoneyHQ Features View balance and account information at other institutions. Make scheduled and recurring external funds transfers between your Apple Bank accounts and external accounts, and to and from external accounts. (Please see the External Transfers section of this guide for details.) Aggregate information from all your online financial accounts. Set up MoneyHQ account alerts. Set up and track your budget and expenditures with Personal Finance Manager. Help in setting up your MoneyHQ services is just a click away! Click the Help button on any page for details.

6 5 Transfers Easily conduct both internal transfers between your Apple Bank accounts and external transfers to and from other institutions. Create New Transfer Transfer Activity facilitates internal transfers of funds between Apple Bank accounts. Select your transfer to and transfer from accounts, amount, transfer date and frequency. Review your transfer for accuracy, make any changes needed and click Submit. Transfers complete when the user logs off Online Banking. If the user fails to log off, the transfer will complete when the inactivity logout is completed. displays the details of scheduled and processed internal transfers for all accounts combined. Select an account from the drop-down menu to view transfer activity for specific accounts. Click Edit if you wish to change your scheduled transfers. View up to a year of processed transfers. External Transfers HQ This MoneyHQ service lets you transmit funds to/from your Apple Bank checking, statement savings and money market accounts to/from your accounts at most other financial institutions.

7 Transfers 6 Registering for External Transfers After registering for MoneyHQ, you must validate your address before using External Transfers. When you are logged in to MoneyHQ, click on the External Transfers link. This will generate an that contains a validation code. You should receive this within 24 hours. Once you receive the , login to Online Banking and access the External Transfers service. You should now see a link to validate your address. Click on the link and enter the validation code that you received in the . Setting Up Accounts for External Transfers Your Apple Bank checking, statement savings and money market accounts are automatically registered for use with MoneyHQ External Transfers. Business accounts with one signer may also use this service. Fiduciary accounts are not eligible. You must add at least one of your accounts at another institution before you can make an External Transfer. You can add an external account from the External Transfers screen. Click Manage Accounts, then Add Account. Search for your financial institution either by name or 9-digit ABA routing number, usually found at the bottom of your check on the left-hand side. Enter your account number and follow instructions to verify account ownership. (Real-time verification may be completed within minutes. The user will be required to enter their login credentials for the other financial institution s Online Banking service. Trial Deposits may take up to 3 business days to complete. Access your Help screen for details.) Once the verification process is complete, transfers can begin. Making External Transfers To make a transfer, click on the Transfer Funds tab. (Click on the Limits tab to view transfer limits.) Standard transfers allow you to move funds to/from an external account. Generally, these transactions complete after 3 business days. There are circumstances in which this time frame may be extended. Next day transfers allow you to transfer funds in one business day. (Fees apply. See Money HQ Addendum for details.) Select source and destination accounts, and whether the transfer is one-time or recurring. Enter transfer details, select a delivery type, enter a send date and description. Review and confirm details of your transfer. Your transfer is now scheduled! Reviewing, Changing and Canceling Transfers Use the History tab to review your transfers from 30 to 120 days back. Sort by date, status and category. Use the Manage Accounts tab to add, remove or change criteria for bank and investment accounts you have set up for external transfers. Use the Overview tab if you wish to cancel a transfer. You may cancel your transfers any time before 7:00 pm ET on the day prior to the Send date. Click on the Cancel link next to the transaction on the Overview page and follow instructions. After 7:00 pm ET on the day prior to the Send date, your transfer will be submitted for processing and cannot be canceled.

8 7 Bill Pay With Bill Pay, securely pay any single, multiple or recurring bill online. Control when you pay your bills, easily view your online payments, add or edit payees, and get convenient ebills. Payees Setup of payees is your first step in making online bill payments. Setting Up Payees A payee is an individual, business or other organization to whom you are paying a bill. From the Payment Center tab or the Payees tab, select the Add Payee link. Three options will be presented: 1. You may add a payee by choosing from a list of widely recognized merchants. 2. When a business is not displayed on the first list, use the Select Another Business option. 3. The third option allows any payee to be added. For whichever option(s) you select, just fill in the details, which you ll find on your last bill. You must enter a nickname for each payee added. Click Submit to complete the process. You will then have the option to make a payment to the new payee at that time.

9 Bill Pay 8 Viewing and Modifying Payees Click the Payees tab to view the list of your payees. From this screen, you can edit payee information, delete a payee or make a payment. You cannot delete a payee when there is a scheduled payment pending. Future payments must be canceled before any deletion can be made. When you click Edit, you can also view and modify scheduled payments and review processed payments. Payment Center allows the end user to schedule payments, perform payment inquiries or make changes to future payments. Making a Single Payment From the Payment Center tab, select the Pay a Bill tab. You will be prompted to select the payee, enter the dollar amount, delivery date and the account from which you want the funds withdrawn. (The delivery date is the date the payee should receive the payment. Electronic payments will be debited from the account at least one business day prior to that date.) Once the payee is selected, you will also have the option to indicate the payment frequency (one-time or recurring.) An additional prompt is available for invoice information which, when utilized, will generate a paper check for the payment. Apple Bank recommends scheduling your delivery date at least two days prior to the actual due date of your bill. Click Continue and you will be prompted to review the entered payment. You may make any necessary edits to the payment on this screen. Once complete, select Submit and your payment is scheduled.

10 9 Bill Pay Making Multiple Payments From the Payment Center tab, select Pay Multiple Bills. All entered payees will be displayed. Enter payment amounts, dates and payment frequency for the payments you wish to make. Apple Bank recommends scheduling your delivery date at least two days prior to the actual due date of your bill. Click Continue and you will be prompted to review the entered payments. You may make any necessary edits to the payments on this screen. Once complete, select Submit and your payments are scheduled. Payment Confirmation and Payment Activity The online activity screen displays all scheduled and completed transactions. This screen can be accessed from both the My Accounts and Bill Pay tabs. Transactions that are scheduled may be edited, provided the blue Edit link is displayed. Once the transaction is in process, the link will no longer be available. Completed transactions will be displayed in the lower part of the screen in the Processed Transactions table. You can view processed transactions for up to a year after they complete by changing the time period view link located in the middle of the screen. ebills are electronic versions of your paper bills, delivered through your Online Bill Pay service with similar features and functionality. Signing Up for ebills Select the ebills tab to sign up to receive electronic versions of paper bills from eligible payees. You will see a list of your payees that are eligible for the ebills service. Click Enroll next to the payees from which you want to receive ebills. On the next screen, provide the login and password information you use to access the payee s web site. Click Submit. On the following screen, select the bill you wish to receive and account type, if applicable, and click Submit. You will receive confirmation of your ebill enrollment. That s it! Money HQ Reports enable you to set up your budget and manage expenditures online. Features Get spending reports of bill payments by payee and category. Use pie charts and graphs for easy illustration. Change time periods going back 18 months, and start and end dates. Set and track spending goals by payee and category. Incorporate offline transactions that are not part of Online Bill Pay expenditures. Get notifications on spending by payee, category and spending goals.

11 Account Services 10 With Account Services, you can manage your personal profile, find online help and send secure messages regarding your account. Get alerts on important information from Apple Bank. Account Tools and Services View check images. See the front and back of your cleared checks for the most recent history. Older images are available in your monthly account statements. Note: You must have Adobe Reader installed on your computer to view check images. View estatements. View up to the most recent 24 months of electronic statements. estatements include images of checks paid within the statement cycle. My Profile Update personal account profile information. Click the appropriate link to update your User ID, Password, address, Password question and security questions. You may be prompted to enter your current Password when making these changes. Unsubscribe to Money HQ. Change Statement Delivery Method. Click Online Statement Options to change the way statements are delivered. All Online Banking customers receive their statements electronically. They may continue to receive paper statements by mail as well. This option can be selected through this link. For Your Protection Review Online Banking Services Agreement and Money HQ Addendum, Online Security and tips to help you manage your transactions. Resources Online Help provides you with a road map of all Online Banking services. Click on any service for user-friendly, step-by-step printable instructions. Contact Us features service contact information for Apple Bank. The Message Center provides fast access to important service updates and account alerts. Use the Message Center to send direct, secure messages to Apple Bank s Customer Service team. Unlike regular Internet , these messages are protected by encryption and verification technology. With Secure Messaging, any confidential information cannot be intercepted by unauthorized persons. Manage Alerts Click on this tab to set up free automatic alerts for notifications about account activity, balance changes, ebill due dates and more. Have alerts sent to multiple addresses and your mobile phone. Add, update or delete alerts at any time.

12 Help Screens and QuickLinks Get what you need to conduct your Online Banking -- fast. Help is just a click away on every Online Banking screen. Every screen within the Online Banking service features a Help button. Get detailed information and instructions relevant to the particular service featured on the screen. QuickLinks give you fast access to frequently used services. QuickLinks appear on every screen in your Online Banking service. You can easily add a Bill Pay payee and make a payment from any screen. Make an internal or external transfer. Get messages. View the Online Banking demo. Need additional assistance? Call CustomerLine at , Monday through Friday from 9:00 am to 5:00 pm ET, or visit your local branch. Visit for branch locations. TDD number is Your Online Security For security reasons, never leave your Online Banking session open and unattended. Click the Log Out button in the top right corner of your screen to ensure that you are fully logged out of your secure session, rather than just closing your browser window. If your online session is inactive for approximately 14 minutes, you will receive a message, warning that you will be logged off soon if there is no further activity. Clicking Continue upon receiving the message will refresh the system and enable you to continue your online activity. If no further activity occurs, the system will automatically save and send any transactions you made and terminate the session. Your Online Banking service is designed this way to provide you with maximum security in case you forget to log out. In addition to the network related measures Apple Bank takes to secure your personal and confidential information while using your Online Banking services (e.g., use of 128-bit encryption, firewalls, etc.), there are additional steps that you can take to protect your personal information when viewing the Apple Bank web site and conducting any business through Online Banking, including the Bill Pay and Funds Transfer services. Please visit and click on Your Online Privacy and Security at the bottom of the home page for more information. Established 1863 Member FDIC