Mobile Banking FAQ for Business

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1 Mobile Banking FAQ for Business General Questions 1. What is National Bank of Arizona Business Mobile Banking? Mobile Banking provides anytime access to your eligible account(s) from select mobile phones and devices. Simply take your banking with you whenever and wherever you are. With Mobile Banking, you can: View account balances Search recent account activity Transfer funds between eligible accounts Pay bills to existing payees Deposit checks to eligible accounts Find ATM and branch locations 2. How do I sign up for National Bank of Arizona Business Mobile Banking? Download and launch the business mobile application or visit nbaz.com from your mobile web browser. When prompted, enter your Business Online Banking Company ID- User ID and your password. The first time you sign in, you ll be required to accept the Mobile Banking Service Agreement. You may also be prompted to enter your mobile phone number. If you have any questions, please contact a National Bank of Arizona Customer Service Representative at Monday through Friday, 8 A.M. to 8 P.M. MST. 3. What security measures help protect my transactions through the National Bank of Arizona mobile application and mobile web browser? Communication between the device and the bank is protected using SSL Encryption. 4. What s the difference between a mobile application and a mobile web browser? With a mobile web browser, you use the web browser from your mobile smart phone to access your account information. Mobile applications can be downloaded to your mobile phone or device. These applications provide an experience optimized for ipad, iphone, ipod Touch, Android Smartphones, Android Tablet and Kindle Fire Tablet devices.

2 5. What is needed to use National Bank of Arizona Business Mobile Banking? You ll need an account that s enrolled in Business Online Banking and a mobile device that can access the Internet or download applications. *Must be enrolled in Business Online Banking to use Mobile Banking. Message and/or data rates from your wireless provider may apply. 6. Do I need a data plan? A data plan is strongly recommended because data usage charges by your carrier can become expensive without a plan. Please check with your wireless carrier for more information. 7. Is there a charge to use the National Bank of Arizona Business Mobile Banking Service? There s currently no charge for the Business Mobile Banking service; however, ordinary bank fees under other agreements still apply (i.e. funds transfer that results in an overdraft charge). Also, your wireless phone carrier may have data or messaging charges. Check with your wireless phone carrier for more information. 8. Do I have to enroll each mobile phone or device that I want to use with National Bank of Arizona Business Mobile Banking? Yes. Enrollment is a one-time process for each mobile phone or device you want to use to access Mobile Banking. 9. How many users can enroll in National Bank of Arizona Business Mobile Banking on a single mobile phone or device? Each mobile phone or device supports one enrolled user in Mobile Banking. 10. What if I suspect that my mobile device may have been used to make an unauthorized transfer from my National Bank of Arizona account? Immediately call National Bank of Arizona Customer Service at Monday through Friday, 8 A.M. to 8 P.M. MST to report the unauthorized transfer as soon as you discover or suspect it. The agreements and rules that govern suspected or actual unauthorized transfers through Online Banking, such as deadlines to report unauthorized transactions, also apply to transfers made through Mobile Banking via use of a mobile phone or device. Please see your Online Banking Agreement, your Deposit Account Agreement, and your account statements for further information. Also see any agreements governing the specific affected account (i.e. card agreements). Where applicable, those documents include information regarding special rights of consumers, such as those in cases of unauthorized transfers from consumer deposit accounts under Regulation E and/or consumer credit accounts under Regulation Z.

3 Mobile Web 11. What is mobile web? Mobile web is using the web browser from your mobile device to access Mobile Banking. Type nbaz.com from your mobile web browser to access Mobile Banking. 12. Is there a cost to use the mobile web? National Bank of Arizona does not charge for using the mobile web to access Mobile Banking; however, ordinary bank fees under other agreements still apply (i.e. funds transfer that results in an overdraft charge). Also, your wireless phone carrier may impose data or messaging charges. Contact your mobile services provider for any charge that may apply to web browser usage on your mobile phone or device. 13. How do I access National Bank of Arizona Business Mobile Banking from my mobile phone or device browser? Enter nbaz.com into the web browser on your mobile phone or device. 14. How do I get an optimized mobile web experience? The following three steps are recommended for an optimal web experience: 1. Ensure your mobile phone or device browser has cookies enabled. 2. Enable style sheets on your browser. Style sheets are used on web pages to define the design and layout of the page. 3. Bookmark your Mobile Banking website (nbaz.com). Generally, these settings are found in the web browser settings menu on your mobile phone or device. Refer to the user guide that came with your mobile phone or device for more information. 15. Is mobile web banking supported on my mobile phone or device? Mobile web banking is available on most mobile phones or devices that have the capability to browse the Internet and support cookies. Refer to the user guide that came with your mobile phone or device for more information. Mobile Banking Applications 16. What are mobile applications and how do they compare to mobile web? With mobile web, you use the web browser from your mobile phone or device to access Mobile Banking. Mobile applications, on the other hand, can be downloaded directly to your mobile smart phone or device. These applications provide an experience optimized for ipad, iphone, ipod Touch, Android Smartphones, Android Tablet and Kindle Fire Tablet devices.

4 17. Where do I access and download the National Bank of Arizona mobile application for ipad and iphone? The Mobile Banking ipad and iphone applications can be downloaded for free from the itunes App Store using your mobile phone or device. 18. Where do I access and download the National Bank of Arizona Mobile application for an Android device? The Mobile Banking Android applications can be downloaded for free from the Google Play Store using your mobile phone or device. The Mobile Banking Kindle Fire Tablet application can be downloaded for free from the Amazon Store. 19. Is the National Bank of Arizona Business Mobile Banking application supported on my mobile phone or device? The downloadable application is available for ipad, Android Tablet and Kindle Fire Tablet and most smart phones, including iphone and Android devices. Enter nbaz.com into the web browser on your mobile phone or device. If a downloadable application is supported for your mobile phone or device, a link to download the application will appear. Troubleshooting 20. What do I do if I get a new mobile phone or device? Simply download and install the Business Mobile Banking Application on your new phone or device. We recommend you also remove your old mobile phone or device by clicking on the Mobile Banking link from the Services tab within Business Online Banking. *Must be enrolled in Online banking to use mobile banking. Message and/or data rates from your wireless provider may apply. 21. What happens if my National Bank of Arizona Business Mobile Banking Application is deleted from my phone? Simply download and install the Business Mobile Banking Application again. You won t likely need to re- enroll, simply login once the app is on your phone again. 22. Can I access National Bank of Arizona Business Mobile Banking from a web browser and downloadable application on the same mobile phone or device? Yes.

5 23. I enrolled in Business Mobile Banking on my mobile phone or device s browser. Why am I being asked to enroll again? During enrollment, a cookie is stored on the web browser of your mobile phone or device. This cookie allows the Mobile Banking system to remember that you enrolled. Since the cookie is visible only by the Mobile Banking system, and doesn t contain personal information, some mobile phones or devices may require you to enable cookies or periodically erase them which will require you to re-enroll. If you are asked to re- enroll, check your mobile phone or device settings to ensure that cookies are enabled. If cookies are enabled and the situation persists, please contact your mobile network carrier for cookie support information on your mobile phone or device. 24. What if my mobile phone or device is lost or stolen? Immediately log into National Bank of Arizona Business Online Banking, choose Mobile Banking from the Services tab and remove your mobile phone or device from the Mobile Banking Management page. For additional assistance contact National Bank of Arizona Customer Service at Monday through Friday, 8 A.M. to 8 P.M. MST. If you later find your mobile phone or device, you can re- enroll that same mobile number. *Must be enrolled in business Online banking to use mobile banking. Message and/or data rates from your wireless provider may apply. 25. How do I delete the National Bank of Arizona Business Mobile Banking application from my mobile phone or device? To delete the application from your mobile phone or device, follow the instructions below. Refer to the user guide that came with your mobile phone or device for more information or contact your mobile phone or device manufacturer or authorized dealer. ipad or iphone : 1. Press and hold any application icon until all icons begin to wiggle. 2. Tap the little x in the upper-left corner of the application you want to delete. A dialogue box appears, informing you that deleting this app will also delete all its data. 3. Tap the Delete button. Android Devices: 1. Open the Google Android Menu. 2. Go to Settings icon and select Applications. 3. Click on Manage. 4. You ll see a list of installed applications. 5. Select the application you want to un-install and click the un-install button.

6 Mobile Deposit 26. What is Mobile Check Deposit? Mobile Check Deposit is a convenient, easy way to deposit checks from your mobile device into one of your eligible accounts. With the Mobile Banking app on your iphone, ipad, Android Smartphones, Android Tablet or Kindle Fire Tablet, you can take a photo of your check, enter the check information and securely submit your deposit for processing. Checking, Savings and Money Market accounts are eligible for Mobile Check Deposit. 27. How do I deposit a check? Before you begin, endorse the back of the check with your signature. Sign into Mobile Banking and select Check Deposit from the main menu. Select the Deposit button and then select the Front or Back camera icon to take a photo of your check. You should make sure your check is placed on a dark, well lit, flat surface. Tap the camera icon in the view finder to take the picture. If the preview looks correct, select the check mark button. If not, simply tap the retake icon and try again. After you have successfully taken photos of your check, you will see small thumbnail image previews on the check deposit screen. In the Amount field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount on the check. Tap the Deposit To field to select a deposit eligible account. After all the required fields are completed, select the Continue button. Review your entries and then select the Confirm button to finalize and submit your deposit request. 28. Is there a bank fee to deposit my check with my mobile device? Mobile Deposit is FREE to eligible customers. There may be charges associated with text messaging and data usage on your phone or tablet. Check with your wireless phone carrier for more information. 29. Are there transaction limits with Mobile Deposit? Mobile Check Deposit limits are as follows: Business Accounts: $7,500 per day, $15,000 rolling 30 days.

7 30. Are my checks deposited immediately? Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Funds deposited before 7:00 P.M. MST on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the first business day after the day of the deposit. If you transmit an item after 7:00 P.M. MST, or on a day we are not open, we may consider that the deposit was made on the next business day we are open. If your deposit is declined, we will e- mail you the notice by the first business day after the day we receive your deposit. Deposits may be subject to additional case- by- case or exception holds. Check your Recent Activity to see your deposit status. 31. How do I view my deposit history? 1. Sign into the Mobile Banking application and view the main menu. 2. Select Check Deposit and then Recent deposits. 3. Click on a single deposit to view the available transaction detail. 32. What should I do with the hard copies of my checks? After successfully submitting a deposit, you should mark the check as deposited, retain the check for 30 days, and then securely destroy the check.