MOBILE BANKING USER GUIDE CentricBank.com DrCentricBank.com 717.657.7727 Centric Bank does not currently charge a fee for Mobile Banking. However, your mobile phone provider may charge data usage fees or internet access fees. Message and data rates may apply. Check with your mobile phone provider for more details and specific fees. iphone is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc. Centric Bank is a Member FDIC. REV 01.15.2016
WELCOME & TABLE OF CONTENTS 1 WELCOME Centric Bank s Mobile Banking and Remote Deposit Anywhere is available to personal and business customers who are enrolled in Online Banking. If you re not currently enrolled in Online Banking, please visit CentricBank.com and click on Enroll in Online Banking or call us at 717.657.7727 to get started. The images used in the following tutorial are representative of the Mobile App on Apple iphone. If you are using an Android phone, some features may be in a different location. TABLE OF CONTENTS Mobile Banking Security 2 Mobile Banking Enrollment Enroll on Computer 3 Enroll on Mobile Device 4 Download iphone and Android Apps 5 Mobile Banking Functions View Transactions and Balances 6 Transfer Funds 6 Pay Bills 7 View Alerts 7 Centric Bank Financial Center Locator 8 Log Out 8 Text Banking Enrollment 9 Functions and Commands 10 Remote Deposit Anywhere 11 Frequently Asked Questions 12
MOBILE BANKING SECURITY 2 SECURITY It is our priority to keep your personal financial information private. Centric Bank s Online Banking and Mobile Banking use encryption technology, such as SSL (Secure Socket Layer), that prohibits unauthorized users from accessing your accounts. We also employ multi-factor authentication - security questions - that disable your account when those questions are answered incorrectly. It is important to take extra precautions when using your mobile phone for confidential transactions, such as banking, to protect your financial and personal information. The Federal Communications Commission (FCC) provides guidelines for mobile device security to reduce the risk of unwanted threat: Set a PIN or password for your phone. To prevent unauthorized access to your phone. Set passwords. Use a different password for each important log-in. Do not modify factory security settings. Your phone may be more susceptible to attacks. Backup and secure your data. You can easily restore the data if your phone is erased or stolen. Install apps from trusted sources. Some may contain malware that can steal information. Understand app permissions. Be cautious about granting access to information on your phone. Install security apps that enable remote wiping. Remotely locate and erase data on the phone. Accept updates and fixes to your software. Software updates reduce your risk of exposure to threats. Be smart on open Wi-Fi networks. Your information is more vulnerable on open networks. Wipe data on your phone before donating, recycling, or reselling. Reset the phone to factory settings. Report a stolen smartphone. It will be added to a universal list to prohibit unauthorized activation. Visit the FCC s website at www.fcc.gov/smartphone-security for more information and detailed tutorials for several phone manufacturers.
ENROLL VIA COMPUTER & ONLINE BANKING 3 MOBILE BANKING ENROLLMENT VIA COMPUTER To activate Centric Bank Mobile Banking via your computer, log in to your Online Banking account and follow these instructions: Select the OPTIONS tab; then click MOBILE SETTINGS. Check Enable web access for your mobile device. Select YES if you would like to receive text message alerts and enter your phone number. Choose your wireless provider from the drop down menu. Select only the accounts that you would like to access from your mobile phone. Click SUBMIT. CHECKING SAVINGS LOAN MOBILE BANKING AGREEMENT Confirm that your mobile preferences are correct. Read the Mobile Banking Agreement and check I accept these full terms and conditions. Click CONFIRM. You will receive a text message confirming your enrollment.
ENROLL VIA MOBILE PHONE 4 MOBILE BANKING ENROLLMENT VIA MOBILE PHONE To activate Centric Bank Mobile Banking via your mobile device, follow these instructions: Download and log in to the appropriate iphone or Android App (see page 5). Read the Mobile Banking Agreement and check I agree. Enter your mobile phone number. Choose your wireless provider from the drop down menu. Turn on the Receive Text Message Alerts button if you would like to receive text message alerts. You will see a confirmation screen and will receive a confirmation text message (if you opted to receive text message alerts.)
DOWNLOAD THE IPHONE & ANDROID APPS 5 IPHONE APP Install the iphone App on your mobile phone: Search for Centric Bank in the App Store on your iphone. Download the Mobile Banking App by tapping on the cloud icon; then INSTALL. Log in to Centric Bank Mobile: Open the Centric Bank App on your iphone. Enter your username and password and tap LOGIN. Note: Use your Online Banking login credentials for Mobile Banking. ANDROID APP Install the Android App on your mobile phone: Search for Centric Bank in the Google Play Store on your phone. Download the Mobile Banking App by selecting INSTALL. Log in to Centric Bank Mobile: Open the Centric Bank App on your mobile phone. Enter your username and password and tap LOGIN. Note: Use your Online Banking login credentials for Mobile Banking. The Centric Bank Mobile Banking App and Remote Deposit Anywhere feature are not compatible with the Windows Phone. You may access Text Banking and Mobile Web Banking (www.centricbank.com).
MOBILE BANKING FUNCTIONS 6 VIEW ACCOUNT TRANSACTIONS & BALANCES The app opens on the My Accounts screen. Tap the arrow by an account balance to view a list of TRANSACTIONS for that account. TRANSFER FUNDS BETWEEN ACCOUNTS Tap the menu icon to the left of the Centric Bank logo at any time to access the main menu. Tap TRANSFER to move funds between accounts. Choose the Transfer To and Transfer From accounts. Enter the payment amount. Choose a transfer date and tap SUBMIT. A confirmation screen will show with a confirmation number for your records. You will also receive a confirmation text message if you opted to receive text message alerts.
MOBILE BANKING FUNCTIONS 7 PAY YOUR BILLS Tap the menu icon to the left of the Centric Bank logo at any time to access the main menu. Tap PAY BILLS to initiate a bill payment. Choose a Payee (the company or person you would like to pay). Choose the account from which you will be paying your bill. Enter the payment amount. Select a process date and tap SUBMIT. A confirmation screen will show with a confirmation number for your records. VIEW ALERTS Tap the menu icon to the left of the Centric Bank logo at any time to access the main menu. Tap ALERTS to read any current alerts. Unread alerts will display on this screen. Alerts must be activated through Online Banking. To set up account alerts: Login to Online Banking. Click the OPTIONS tab. Click ALERTS and customize.
MOBILE BANKING & FUNCTIONS 8 FINANCIAL CENTER LOCATOR Tap the menu icon to the left of the Centric Bank logo at any time to access the main menu. Tap LOCATIONS to search for a Centric Bank financial center by zip code or by city. Show All Locations will display financial centers on a map or in a list. Find Locations Near Me requires location access to be turned on for the Centric Bank app in your phone settings. Select a financial center for the address, phone number, map, and directions. LOG OUT OF MOBILE BANKING Tap the LOGOUT icon to the right of the Centric Bank logo. You will be asked to confirm your choice. Click CONTINUE. Note: If you close Centric Bank Mobile Banking without selecting the Logout icon, you will be asked to login again the next time you open mobile banking. However, for your protection, we recommend selecting the Logout button to expire your session.
TEXT BANKING ENROLLMENT & FUNCTIONS 9 TEXT BANKING ENROLLMENT To activate Centric Bank Text Banking, log in to your Online Banking account and follow these instructions: Select the OPTIONS tab; then click MOBILE SETTINGS; then click TEXT MOBILE SETTINGS. Check Enable text access for your mobile device. Read the Terms and Conditions and check Accept Centric Bank Text Banking Terms & Conditions. Enter your mobile phone number in the boxes. Choose your wireless provider from the drop down menu. Select only the accounts that you would like to access via text banking. Check the box next to the appropriate account and enter a short name for that account. Click SUBMIT. On the next screen, verify that the information is correct. Click EDIT to make any changes. Click CONFIRM to continue. You will receive a text message. Reply YES to the message to confirm your text banking subscription. SAVINGS
TEXT BANKING ENROLLMENT & FUNCTIONS 10 TEXT BANKING FUNCTIONS Centric Bank Text Banking allows you to quickly access your account with basic functions. Text the following commands as appropriate to Centric Bank s short code: 89549. FUNCTION View balance on a specific account View balances on all enrolled accounts View transactions on a specific account View transactions on all enrolled accounts View a list of text commands Un-enroll in Centric Bank text banking TEXT COMMAND BAL(short name) BAL HIST(short name) HIST HELP STOP
REMOTE DEPOSIT ANYWHERE 11 REMOTE DEPOSIT ANYWHERE Remote Deposit Anywhere (RDA) is available to all personal and business customers. Personal banking customers may enroll in RDA by visiting CentricBank.com and clicking on Enroll in Remote Deposit, or by stopping by your local financial center. Business banking customers who are interested in Cash Management services, including the ability to make remote deposits, please stop in a financial center or contact Mark Holst, Cash Management Officer, at 717.909.8334. Please refer to the Frequently Asked Questions on page 12 or call us at 717.657.7727 for more information. TO MAKE A DEPOSIT Tap the menu icon to the left of the Centric Bank logo to access the main menu. Tap DEPOSITS. Tap Deposit a Check to take a picture of the front and back of the check. Make sure the picture is clear, the entire check fits within the box, and the check is endorsed. After you take the picture, you will have the option to Use or Retake the picture. Green checkmarks will appear indicating that your picture was successful. Enter the check amount in the box provided. Choose the account into which the check will be deposited. Tap DEPOSIT. A confirmation screen will appear and you will receive an email notification. You may review your deposit (shown right), deposit another check, or continue with another mobile banking function.
FREQUENTLY ASKED QUESTIONS 12 GENERAL What are Mobile Banking, Text Banking, and Remote Deposit Anywhere (RDA)? Mobile Banking is an app for mobile devices that allows you to quickly and easily access your accounts. It provides the full functionality of Online Banking with the convenience of a mobile device. You can view account balances and transactions, transfer funds, pay a bill, check account alerts, or locate a Centric Bank Financial Center. Text Banking provides limited basic access to your accounts. Simply text Centric Bank s shortcode, 89549, with a text command (see page 10 for a list of commands) to view account balance and limited transaction history for accounts that are enrolled. Remote Deposit Anywhere (RDA) allows you to deposit checks from the comfort of your home, office, or anywhere else. Take pictures of the front and back of your check and choose the account in which it should be deposited. You can access Mobile Banking, Text Banking, and RDA anywhere your device has data or wi-fi capabilities. What fees are associated with these services? Centric Bank does not currently charge fees for using Mobile Banking, Text Banking, or Remote Deposit Anywhere. However, your wireless provider may charge you for data usage and text messaging services. Check with your provider for details about your wireless plan and applicable fees. Can I use any mobile device to access my accounts? Yes, you may use any mobile device that is web-enabled to access your accounts. Text messages will only be sent to the mobile phone number enrolled in the Online Banking settings. Do I use the same username and password as Online Banking? Yes, use the same username and password for Mobile Banking as you do for Online Banking. What if my mobile device is lost or stolen? Mobile Banking does not automatically store your login credentials or other data. However, for your protection, we recommend that you log in to Online Banking and disable your Mobile Banking capabilities. Contact your wireless provider immediately to stop your wireless service. If you have questions, contact us at 717.657.7727.
FREQUENTLY ASKED QUESTIONS 13 What should I do if I get a new mobile device? If your phone number and wireless provider have not changed, you do not need to make any changes to access your Mobile Banking. If they have changed, log in to Online Banking and update your profile. What if I can t get my phone to work with Mobile Banking? Your phone must meet the following minimum requirements: (1) It must be web-enabled; and (2) Your mobile network must allow secure SSL traffic. Contact your wireless provider with questions. How can I disable mobile services? To disable Mobile or Text Banking, log in to Online Banking and uncheck the box, Enable web access for your mobile device, or Enable text access for your mobile device. To disable RDA, please contact your local financial center. BILL PAY & TRANSFERS How do I add or delete a bill payment payee? Payments initiated through your mobile device are limited to established payees. To add or delete a payee, log in to your Online Banking account and complete the process. Can I schedule a recurring payment or transfer through Mobile Banking bill pay? Only one-time payments or transfers may be completed through Mobile Banking. How do I know if my payment or transfer was completed successfully? You will see a confirmation screen and receive a text message (if you ve opted to receive text message alerts) verifying your transaction. What happens if I lose signal or communication during a transaction? If you do not see the confirmation screen or receive a confirmation text message, check your accounts and re-submit any transactions that did not process. Please call us at 717.657.7727 if you are unsure.
FREQUENTLY ASKED QUESTIONS 14 REMOTE DEPOSIT ANYWHERE (RDA) How do I enroll in Remote Deposit Anywhere? You must be enrolled in Centric Bank s Online Banking to enroll in RDA. Enroll in RDA at www.centricbank.com or visit your local financial center. After enrolling, you will be able to access RDA generally within 24 hours, with the exception of weekends and holidays. What are the daily limits of Remote Deposit Anywhere? The deposit limit for personal customers is 10 items per month totaling $2,500.00 per day and $5,000.00 per month. The deposit limit for business customers will be customized based on each customer s needs. What is the Funds Availability Policy? For deposits made before 6:00pm EST, funds will be available the next business day. For deposits made after 6:00pm EST, funds will be available on the second business day. For new customers, deposits will be made available on the fifth day after the day of your deposit. Are there any restrictions for Remote Deposit Anywhere? You must demonstrate financial responsibility with all Centric Bank accounts and have no more than two returned deposited items within the last 90 days. You must be at least 18 years of age. If you do not meet these criteria, your account may be disabled from RDA capabilities without prior notice. What forms of currency are accepted through Remote Deposit Anywhere? Cash and coins are not accepted through Remote Deposit Anywhere. You may deposit most checks through RDA; however, the following types are not accepted: U.S. Treasury Checks Cashier s Checks Money Orders Insurance Claim Checks Checks that are not payable in US Dollars Checks that are not drawn on a branch within the US borders What should I do with the check after I deposit it? Place an indication on the check that you have deposited the item. Verify the deposit on your monthly statement. Retain and store the item for a minimum of 60 days in a secure manner. After 60 days of presentment, shred the item.