WELCOME TO YOUR NEW WESTFIELD BANK ONLINE AND MOBILE BANKING

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1 WELCOME TO YOUR NEW WESTFIELD BANK ONLINE AND MOBILE BANKING IMPORTANT INSTRUCTIONS Your online and mobile banking product guide

2 HIGHLIGHTS Beginning October 23, Westfield Bank customers will experience a whole new level of banking convenience with upgrades to our online banking platform and the introduction of our mobile banking application for all iphone and Android - enabled devices. ONLINE BANKING Westfield s enhanced online banking services will put money management at your fingertips with a Personal Financial Management tool that helps you set and follow a budget, track how your money is being spent, and assist you with reaching your short and long-term savings goals. You ll also be able to move your money wherever you need it through our online account transfers feature. This unique feature will not only allow you to transfer funds between your internal Westfield Bank accounts, it will also enable you to transmit money between your Westfield account(s) and external accounts with other banking institutions. With your internal Westfield accounts, you ll enjoy more comfort and peace of mind knowing your money is better protected through enhanced security features to our already stringent online account security. MOBILE BANKING Westfield s mobile banking app will allow both personal and business banking customers to pay bills and transfer funds. Beginning December 1, customers can utilize mobile deposit capture (the ability to deposit checks by taking a picture) on any iphone or Android enabled device. The mobile banking app will also feature a Personal Financial Management tool that helps you set and follow a budget, track how your money is being spent, and assist you with reaching your savings goals all from the palm of your hand. 2

3 IMPORTANT DATES Thursday, October 16 Beginning at 4:00 p.m. ET access to ebills and fund transfers will be temporarily unavailable until Thursday, October 23 at 5:00 p.m. Reoccurring or previously scheduled fund transfers will still occur as scheduled. Friday, October 17 Beginning at 4:00 p.m. ET access to bill pay will be temporarily unavailable until Thursday, October 23 at 5:00 p.m. Reoccurring or previously scheduled bill payments will still occur as scheduled. Wednesday, October 22 Beginning at 3:00 p.m. ET access to online banking and ACH will be temporarily unavailable until Thursday, October 23 at 5:00 p.m. Thursday, October 23 Your online access to Westfield Bank s new online banking and bill pay system will resume at 5:00 p.m. IMPORTANT ACTIONS Prior to October 23: You may wish to record any bills scheduled to be paid during the transition and through the week beginning Monday, October 27 for your reference. You may wish to print your bill pay history, as your history will not convert to the new system. On or After October 23: Your User ID will remain the same (all customers). Your temporary password will change to: UPGRADES TO YOUR ONLINE BANKING EXPERIENCE NEW FEATURES: Enhanced security Expanded alerts Quicken/Quick Books Direct Connect ACH Positive Pay Ability to deposit money in external bank accounts Mobile Application My Westfield Bank Coming December 1, the ability to deposit checks right from your mobile device Expedited bill pay Personal Banking customers: Temporary Password: Last 4 digits of SSN + zip code Business Banking customers: Temporary Password: Last 4 digits of the business EIN + business zip code After you log in, you will be required to change your password and select a new security image. For security purposes, your password must be a minimum of 8 characters and contain at least three out of the following four options: lower case letter, upper case letter, number and/or symbol. Due to new enhanced security features, you will need to set up any alerts or ebills as they cannot be converted. Business customers: Discontinue the use of your ID tokens for wire and ACH approvals. Please dispose of your token(s). 3

4 SAFETY AND SECURITY Will my personal information still be safe and secure? Yes, your personal data and account information are safe and secure as always. Do you have any additional security protection for customers? Westfield Bank strives to protect its customers identity and financial information against fraud and cyber criminals by providing safeguards that detect and prevent malware attack, thus providing comprehensive online banking protection. These safeguards protect you by locking down your browser to create a tunnel for safe online banking communications to ensure that your account credentials are only passed through secure channels. This protection is optional, but strongly recommended, and must be downloaded by the customer when prompted. Westfield Bank has added a new security layer that requires customers to select a security image (photo) during the sign-in process. The security image appears every time you log in to your online bank account to ensure you are visiting Westfield Bank s official online banking site and not a fraudulent website created by a cybercriminal. In addition, Westfield Bank offers mobile and alerts as a convenient way to help manage and protect your money. Mobile and alerts keep you immediately informed about large purchases or withdrawals, account balances, and other activity in your bank account(s). Enjoy increased peace of mind knowing you will be updated on any important account activity without having to go online or sign in to your account. To learn more about mobile and security alerts, please visit Please note that your existing alerts will not transfer to your new account, so you will need to sign up for alerts after you log in to your online bank account. Alerts can be found under the Profile menu. Available alerts include: Account Activity, Available Balance Below Limit, Available Balance Daily Snapshot, Current Balance Above Limit, Current Balance Below Limit, Insufficient Funds Charge Alert, Large Bill Payment Notification Alert, Large Check Cleared Alert, Large Debit Card Purchase Posted, Large Electronic Check Posted, Large Electronic Deposit Posted, Large Withdrawal Posted, Reminder Alert, Specific Check Cleared To help you take more control protecting your bank account(s), Westfield Bank publishes recently-reported fraud alerts and a fraud awareness series designed to educate and provide useful prevention tips. Education is the key to fraud prevention, and the best line of defense against fraud begins with you. Understanding the different types of fraud and staying informed about the latest scams and phishing attacks will help you avoid becoming a victim. To learn more about recently reported fraud alerts and Westfield Bank s fraud awareness series, please visit How can I get help with questions or concerns? If you have questions or concerns about the upcoming online banking upgrade, you can contact us at call us at or visit any of our eight convenient branch locations. 4

5 DEPOSIT ACCOUNTS Will the terms and conditions of my deposit account(s) change? No, the terms and conditions will not change. Will any account fees increase as a result of the upgrade? No, Westfield Bank has not changed any fees. For a current Schedule of Fees, please visit home/disclosures. Will my automatic account transfers change? No, all automatic account transfers will remain unchanged; however, the cut-off time for account transfers will be extended to 3:00 p.m. ET. Will I have access to my funds during the upgrade? Westfield branches and ATMs will still be available for deposits and withdrawals. How are my funds protected? You can continue to enjoy peace of mind knowing that your deposits at Westfield Bank are covered by FDIC insurance protection up to $250,000 per depositor, per insured bank, for each account ownership category. In addition, Westfield Bank specializes in structuring deposits to fit within FDIC limits and provides innovative solutions to protect deposit balances exceeding $250,000. For more information on insured deposits, you may contact the FDIC directly using one of the following methods: Call toll-free: Send questions by using FDIC s online Customer Assistance Form at www2.fdic.gov/starsmail Mail questions to the FDIC, Attn: Deposit Insurance Outreach, th Street NW, Washington D.C You may also go to the FDIC s website at and review the brochure titled, Your Insured Deposits, which contains a comprehensive description of FDIC deposit insurance coverage for the most common ownership categories. To learn more about how Westfield Bank can provide innovative solutions to protect balances exceeding $250,000, please contact our Customer Resource Center at or visit your local branch. DIRECT DEPOSIT/PAYROLL DEDUCTION AND PAYMENTS Will my direct deposits, payroll deductions or payments change? You should see no change in your direct deposits, payroll deductions or previously scheduled bill payments. Everything will be directed into the same accounts and distributed to the accounts requested; however, please verify that your payments are accurate after the conversion. You will need to reset any ebills that you had previously set up. ebills are online versions of your paper bills that you receive, review, and pay through Bill Pay. 5

6 ONLINE BANKING Will the upgrade change my online banking experience? Yes, the new online banking system will bring you a new, more convenient experience. In addition, you will enjoy a new Personal Financial Management tool that helps you set and follow a budget, track how your money is being spent, and assist you with reaching your short and long-term savings goals. Will my online banking User ID and Password change? As part of this upgrade, your User ID will remain the same; however, your password will change. You will have a temporary Password for online banking on October 23. To access online banking on or after this date, visit and click the Login button at the far left. Your User ID will remain the same. Your temporary password will change to: Personal Banking customers: Temporary Password: Last 4 digits of SSN + zip code Business Banking customers: Temporary Password: Last 4 digits of the business EIN + business zip code After you log in, you will be required to change your password and select a new security image. For security purposes, your password must be a minimum of 8 characters and contain at least three out of the following four options: lower case letter, upper case letter, number and/or symbol. Will online banking be available during the upgrade? No, online banking will be temporarily unavailable starting at 3:00 p.m. Wednesday, October 22. Full online banking and bill pay functionality will resume beginning 5:00 p.m. on Thursday, October 23. Will future scheduled transfers remain intact after the upgrade? Yes, all account transfers will be processed as scheduled. However, you will not be able to schedule new transfers from Thursday, October 16 at 4:00 p.m. until Thursday, October 23 at 5:00 p.m. Will I be able to deposit funds to other bank accounts? Yes, in addition to being able to transfer funds to any Westfield Bank account(s), you will be able to transmit money to any external bank account(s) using the appropriate account and routing numbers. Can I receive help from within the new online banking System? You can use the secure online chat and send secure s to Westfield Bank while you are logged in to your new online banking system. You will also be able to perform account maintenance, such as check stop payments, address changes and changes to your ATM/debit card. 6

7 Will I still be able to use Quicken or QuickBooks Web Connect? Yes, Web Connect will still be available. In addition, Direct Connect will also be available. Direct Connect communicates directly with your bank account(s), providing automatic access to your online banking account. With Direct Connect, Quicken can even communicate with your account for bill pay, account transfers and more. ONLINE BILL PAY Will my current online bill pay change? No, if you are a current online bill pay user, you will not experience any changes. What if I have scheduled bills to be paid during the system upgrade? Online bill payments will not be accessible from 4:00 p.m. Friday, October 17 until 5:00 p.m. Thursday, October 23. However, all pre-scheduled bill payments will remain the same. Will I need to add my payees again in online bill pay? No, your payees will automatically transfer and you will not need to set up your existing payees again. Will my pending payments remain set up in online bill pay? Yes, your pending payments scheduled prior to Wednesday, October 22 will transfer automatically to the new system. Will I be able to access my online bill pay history? No, your payment history will not be archived and transferred to the new system. Will my business continue using ID tokens for ACH and wire transfers? No, the use of tokens for wire and ACH approvals will be discontinued and instead users will enter a security code provided over the phone or via text message. This is a more secure process. After initiating the wire or ACH, the approver will be prompted to enter a phone number to receive a security code by either text message or phone call. MOBILE BANKING Where do I obtain the new Westfield Bank mobile app? Westfield Bank s free mobile app, My Westfield Bank, is available for download in the Apple and Google Play app stores. What types of banking transactions can I perform using mobile banking? Using Westfield Bank s mobile banking, you can transfer funds, view account history and funds available, and access your new Personal Finance Management tool. In addition, you can send secure messages to Westfield Bank using your mobile device. Is there a charge for mobile banking transactions? No, Westfield Bank does not currently charge customers for mobile banking transactions. 7

8 Customer Resource Center BRANCH LOCATIONS West Akron/Fairlawn Office 2923 Smith Road Akron, Ohio Brecksville Office 8751 Brecksville Road Brecksville, Ohio Canton Office 4580 Stephen Circle NW, Suite 101 Canton, Ohio Cuyahoga Falls Offices 505 Graham Road 140 Portage Trail Cuyahoga Falls, Ohio Cuyahoga Falls, Ohio Westfield Bank Branch Locations Medina Westfield Center Wooster Lake Erie 71 Brecksville Cuyahoga Falls (2) Akron 77 8 Canton Medina Office 4015 Medina Road Medina, Ohio Westfield Center Office (Home Office) Two Park Circle Westfield Center, Ohio Wooster Office 343 W. Milltown Road Wooster, Ohio