Online Banking. Personal User Guide

Transcription

1 Online Banking Personal User Guide

2 TABLE OF CONTENTS INTRODUCTION 3 LOGIN 3 ACCOUNT ACCESS 5 VIEW TRANSACTIONS 5 TRANSACTION DOWNLOAD 6 STATEMENTS 7 STOP PAYMENTS 8 TRANSFERS 9 POWERPAY (online bill pay) 10 estatements 13 OPTIONS 14 OTHER 16

3 INTRODUCTION Welcome to Bank of American Fork s Online Personal Banking. You now have the ability to bank when it s convenient for you. With online banking, your bank is always open. Check balances, transfer funds, pay bills, research transactions, view statements, and much more. LOGIN Enrolling for Online Personal Banking is easy and only takes a minute. Contact Customer Service in Utah County at (801) , in Salt Lake County at (801) or toll free at (888) , Monday Friday, 7:15 A.M. 6:15 P.M. (MST) to receive your initial login Username and Password. Then follow these five steps to access your online banking. STEP 1 LOGIN VISIT THE BANK WEB SITE Using your Internet browser, visit us at to login. LOGIN Enter the assigned username and password. STEP 2 AGREEMENT ACCEPTANCE ONLINE BANKING AGREEMENT Review the Online Banking Agreement and click Accept to continue. 3 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

4 STEP 3 CHANGE PASSWORD CHANGE PASSWORD As an added security measure you will be required to change your password. You can also change your assigned username (Online Banking ID alias). STEP 4 VERIFICATION QUESTIONS Upon changing your password you will receive notice of a new online banking security feature that will protect you from unauthorized access to your account. You will be required to select three challenge questions and answers that could be used to validate your identity. Click Continue to complete the security questions. VERIFICATION QUESTIONS Select three challenge questions and provide answers. Click Submit to continue. STEP 5 CONFIRM CONFIRM YOUR QUESTION & ANSWERS Review your challenge questions. Click Edit to modify your verification questions or click Confirm to complete your initial login. Congratulations! You have successfully logged into Online Banking. 4 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

5 ACCOUNT ACCESS Once you have successfully logged into your online banking you will see the Account Access homepage. From this page you can perform a number of activities such as view balances, research transactions, transfer funds, and much more. NAVIGATION Use the upper menu to navigate between services. ACCOUNTS View accounts and balances. Click account titles to view detailed information such as Current and Available balances or interest earned (if applicable). SELECT ACTIVITIY Select additional account activities such as viewing transaction history, downloading transactions, stop payments, or transferring funds between accounts. VIEW TRANSACTIONS View your transactions for the past twenty-four months by selecting the Transactions option from the dropdown menu on the Account Access homepage for any of your accounts listed. CHANGE VIEW View transactions as far back as twenty-four months. Just select a date range to change the view. TRANSACTIONS View dates, transaction description, and transaction amounts. 5 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

6 VIEW TRANSACTIONS CONTINUED VIEW IMAGES Click on check & deposit slip numbers to view scanned images. TRANSACTION DOWNLOAD TRANSACTION DOWNLOAD You can download transaction history by selecting the Download option from the dropdown menu on the Account Access homepage. DATE RANGE Select the activity date range from the dropdown menu. FILE FORMAT Choose a file format and then click Submit to download your file. 6 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

7 STATEMENTS STATEMENTS You can view account statements by selecting the Statements option from the dropdown menu on the Account Access homepage for each of your accounts. STATEMENT SELECTION Statement activity will be available for up to three months. To view a statement select a download format from the dropdown menu. FILE DOWNLOAD You will receive statement download instructions upon selecting a format. Statements can be opened in PDF, HTML, or Text formats. 7 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

8 STOP PAYMENTS SELECTING STOP PAYMENT You can add new or view existing stop payments for an account by selecting the Stop Payments option from the dropdown menu on your Account Access homepage. NEW STOP PAYMENT ENTRY Enter the date the check was written, enter the number of the check for which you are placing the stop payment, the EX- ACT payment amount, and name of the person or company to which you issued the check. Additional remarks are not required, but can be helpful. CONFIRMATION Receipt of the confirmation page indicates the bank has placed the Stop Payment requested on your account. A stop payment order is effective for six months (Please note, to revoke a stop payment you will need contact Customer Service at ). 8 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

9 TRANSFERS SELECTING TRANSFERS You can transfer money between your accounts at Bank of American Fork by selecting the Transfers option from the dropdown menu on your Account Access homepage. ADDING A NEW TRANSFER Add a new transfer by selecting the accounts to Transfer funds to and from in drop down menus. Enter the dollar amount you would like to transfer and then set the frequency of your new payment. One time transfers and recurring transfers can be established in Frequency drop down menu. Click Submit to initiate your new transfer. TRANSFER CONFIRMATION A transfer confirmation will be provided if the new transfer has been correctly submitted. 9 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

10 POWERPAY (online bill pay) Tired of paying for stamps? With PowerPay our no fee online bill pay - you can pay anyone, anytime, online... with just a few clicks of the mouse! Payments online are sent to your designated payees by check or sent electronically (if your payee has an electronic payment relationship with Bank of American Fork). Setup one-time or reoccurring payments and let us worry about the postage. To start paying bills online just follow these four steps: STEP 1 SELECT POWERPAY POWERPAY Select PowerPay from the main menu on the Account Access homepage. STEP 2 ADD ACCOUNTS SELECT ACCOUNTS Your first time accessing PowerPay you will be asked to add accounts that you would like to use with your PowerPay service. Select your accounts from the dropdown menu and then click Submit. Please note that you can add additional accounts later by selecting Add Account from the main PowerPay menu. CONFIRM ACCOUNTS Confirm your PowerPay enrolled accounts by clicking Accept to continue. 10 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

11 STEP 3 ADD PAYEES PAYEES Add new payees, or view existing payees, by selecting Payees from the main PowerPay menu. ADD Select Add Payee from the Payees menu option. PAYEE INFORMATION Please include: 1. Payee s full name (as it would show on a check). 2. In Payee Account Number enter a personal memo or an account number if your payee has provided one. 3. Payee s mailing address. Click Search to confirm existing electronic payment options. COMPLETE PAYEE ADD Confirm your new payee s information and then add the new payee by clicking Add Check Payee, or Add Electronic Payee if available. 11 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

12 STEP 4 PAYMENTS PAYMENT OPTIONS There are two convenient payment options in PowerPay for creating payments; Add Payment and Quick Payment. Use Add Payment for scheduled or recurring payments and Quick Payments for onetime payments. ADD PAYMENT To schedule a payment select the payment account and payee from the dropdown menus. Enter the payment amount, payment frequency, payment date, and then click Submit to enter your new payment. Please allow 5-10 business days for check payments. QUICK PAYMENT To schedule one-time payments select a payee from your PowerPay Quick Payment menu and then click Submit to continue. QUICK PAYMENT Enter the desired send date, account to charge, and dollar amount then click Submit to enter your new payment. Please allow 5-10 business days for check payments. Please note that you can also view, edit, and delete your existing schedule payments by selection Schedule Payments from the main PowerPay menu. 12 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

13 estatements Enroll your accounts for estatements and receive all of the same information that you would normally receive with a paper statement (including your check images, notices, and other important information) securely through your online banking account. No more paper! Now you don t have to worry about mail theft or loss. Receive your statements in an electronic file format (PDF) that can be securely accessed and saved. estatements Select estatements from the main menu on the Account Access homepage. ENROLLMENT To enroll for estatements you will need to provide us with an that we can send statement notices to and then agree to the terms and conditions of the service by clicking Enroll Now. SELECT ACCOUNTS Select the account you would like to enroll for estatements from the Documents and Settings estatements main menu option. Click Save Settings to complete your enrollment. Your newly enrolled estatements will be available on your next statement cycle and will be accessible through your online banking. You will receive an notice reminding you to view your statements online each month. 13 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

14 estatements CONTINUED VIEWING STATEMENTS To view your electronic statements select the Statement and Notices tab in the main estatements menu. Click View to the right of each statement to open or save your monthly account statement or notice. Statements are available for 60 days. OPTIONS Bank of American Fork s online banking Options allows you to change your password and Online Banking ID (username), as well as setup account alerts and reminders. OPTIONS Select Options from the main menu on the Account Access home page. LOGIN The Options Login page lets you update and change your login. 14 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

15 Options CONTINUED ACCOUNT NAMES The Options Account Names page lets you re-label and organize the way your accounts will display in your online banking. ALERTS You can setup event alerts, account balance alerts, and personal reminders by selection the Account Names page under Options. Event alerts can be ed or setup to notify you when you log into your online banking. EDIT & DELETE Existing event alerts are listed and can easily be edited or deleted. DISPLAY The Options Display page lets you customize the way your account information will display in online banking. 15 P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.

16 OTHER CONTACT US For additional assistance with your online banking, or to send us a secure , please click Contact Us in the upper right menu on the Account Access homepage. HELP You can also access an online index of instruction and glossary of terms in the Help option on the Account Access homepage. THAT S IT You can now manage your Bank of American Fork accounts when it is convenient for you, safely and securely online. If you have additional questions about your online banking please contact Customer Service Monday Friday (non-holiday), 7:15 A.M. 6:15 P.M. (MS) in Utah Count at (801) , in Salt Lake County at (801) , or toll free at (888) P a g e Copyright 2007 Bank of American Fork. All Rights Reserved.