Welcome Welcome! Whether you re at home, at work, or on the road, MAX is here for you 4 hours a day, 7 days a week with our new Online & Mobile Banking services. This guide is designed to help answer many general questions you may have about using your new Online & Mobile Banking system. In addition to accessing your account information and transferring funds online, you ll also be able to export account information to financial management software, such as Quicken or Quickbooks, and pay your bills online. After becoming an online banking customer, you ll find you are able to reduce the amount of time spent managing your finances. DISCLAIMER Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/publisher, nor financial institution shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service. 0 Murphy & Company, Inc. Published by Murphy & Company, Inc. 60 Barrett Office Drive Suite 06 St. Louis, MO 60 www.mcompany.com Microsoft, Microsoft Money, Windows, Excel, and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken and QuickBooks are registered trademarks of Intuit, Inc. Macintosh and Safari are registered trademarks of Apple, Inc. Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ACROBAT READER.
Contents GENERAL INFORMATION Security... Getting Started & Logging In...4 ACCOUNTS Overview.................. 6 History.................... 7 Online Activity............. 8 Mortgage...0 estatements............... TRANSACTIONS Funds Transfer............ Recurring Transfers... Recurring Manager........ 4 Add External Account... 5 Verify External Account....6 BILL PAY Overview................. 7 Payees....8 Payee Setup....9 View Bill History...0 Make a Payment..... Schedule Payments... Change & Cancel Payments... SERVICES Smartfolio...4 Add New Account...5 Stop Payment...6 Reorder Checks...7 Update Contact Information...8 TurboTax...9 Secure Messages...0 PREFERENCES Account Display... Alerts... Security Preferences... MOBILE Mobile App...4 Mobile Sign Up...5 Mobile Web Authorization.............6 Text Banking...7 Mobile Web...8
Security By following our tips, online banking can be a safe and efficient method for handling your banking needs. User Identification and Password Security starts at your computer. Never share your login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters, instead of using your birth date, pet s name or other obvious clues. Use of Secure Access Codes When you login for the first time, you will be prompted to receive a Secure Access Code. A Secure Access Code is a one-time use code that allows you to securely login to our online banking system and is delivered to you via phone call, email or SMS text. You will also need a Secure Access Code if you delete your security certificate or cookie that we ve stored on your computer, or if you login from a computer that was not registered for repeated use. Registering Your Computer Registering your computer used to gain access to online banking strengthens the safeguards in place through browser validation. Although these security enhancements are benefiting you and your security, you probably will not notice them during your regular dayto-day experience. Choosing to register my computer for later use authorizes us to store a security certificate on your computer which will speed up the verification process in the future, and eliminate the need to use a Secure Access Code on each login. Online Banking Safety Tips Ensure your web browser, operating system, anti-virus software and other applications are current and support 8-bit encryption. Memorize your passwords. Exit your online banking session when finished. Do not leave your computer unattended when logged in online banking. Set account alerts.
Security We will never send unsolicited emails asking you to provide, update or verify personal or confidential information via return email. If you receive an email inquiry allegedly from us, please report the incident to a customer service representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Please read the contents below for additional information on how to make yourself more secure online. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or login IDs and passwords. Using spoof (look-a-like) emails and websites, the tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Be suspicious of emails asking for personal information. Identity Theft It is important that our members are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and use that data to access your personal accounts, open new accounts, apply for credit in your name, purchase items and commit other fraud or related crimes using your identity. Fraud Prevention Tips Do not open email attachments or click on a link from unsolicited sources. Avoid completing email forms or messages that ask for personal or financial information. Do not trust an email asking you to use a link for verification of login or account details. Monitor your account transactions for unauthorized use. Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired charge cards before disposing of them. Contact the sender by phone if you are suspicious of an email attachment. Please visit our website at mymax.com for more information about Online Banking Security best practices.
Getting Started & Logging In After completing the auto-enrollment process and receiving your online banking credentials, you are ready to enjoy the convenience of mymax Online Banking. Begin by entering mymax.com in your browser s address bar. 4 For first-time users: Enter the username and temporary password MAX provided during the auto enrollment process. Click Login. Select a Secure Access Code delivery method you can access immediately, either via an automated phone call, text message or email to your cell phone, then click Submit. Enter the Secure Access Code, then click Submit. What is a Secure Access Code? A Secure Access Code is a one-time use code, that allows you to securely login to our Online Banking system. It is delivered to you via phone call, email or SMS text. If you are logging in for the first time, you will be prompted to create a new password. Secure Access Codes are also used if you delete the security certificate or cookie that we ve stored on your computer, or if you request login from a computer not setup for repeated use. Choosing activate my computer for later use authorizes us to store a security certificate on your computer which will speed up the verification process in the future, and eliminate the need to use a Secure Access Code on each login.
Getting Started & Logging In To access your accounts as a first-time user, you must first complete a few steps to verify your identity! Review the mymax Online Branch Access Agreement and Disclosure Statement. Next, click I Accept to continue. Verify your contact information. If it is incorrect, you can make changes to this information by selecting the Update Contact Information link under the Services section on the left navigation menu once you have fully accessed online banking. Click Submit to move on to the next step. Enter your old password, then enter a new password. Finally, confirm the new password by entering it once again in the provided field. Click Submit when finished. 5
Account Overview Account Overview will provide you with a quick view of your accounts and balances. Here you can make a quick transfer between accounts, view pending transactions and even check your secure messages. Begin by choosing Overview from the Accounts menu. Click any of the menu items to expand or collapse each drop-down item. If you have any unread Secure Messages, it will be indicated here. Hover over the Quick Action Icon next to your account to view a variety of standard options.. View History: A quick link to the history of that account. Account Inquiry: Send us a secure email about the account. Account Details: View the details of that account. Transfer From: A quick transfer from that account. Transfer To: A quick transfer to that account. Print: Print the transaction history of that account. 6
Account History Online banking allows you to conveniently access the history of your account transactions and always keep you up-to-date with your account balances. To begin, double-click the account name you wish to view from the Account Overview page. You may also select View History from the Quick Action Icon. Quickly switch between accounts by selecting an account from the Account drop-down menu and click Submit. Begin by choosing History from the Accounts menu. Quickly expand or collapse the Pending or Posted sections by clicking on the Plus/Minus button. Change the way you view your Account History from the options available in the Search drop-down menu. You may also search for transactions by check number, date, amount or even description. Select the option you would like and click Submit. Using the Export feature, you can export your account data into financial management applications. 7
Online Activity Online Activity quickly organizes all transactions associated and completed online. This includes transfers, stop payments, address changes, etc. From the Online Activity menu, you can group items by category and view, approve, cancel or authorize transactions. Please note that once a transaction is processed, it cannot be cancelled. Begin by choosing Online Activity from the Accounts menu. Hover over the Quick Action Icon to view a drop-down menu with more options. Selecting a transaction will allow you to View, Approve, Copy or Cancel the item. Clicking on View Transaction will allow you to see more details regarding the transaction along with providing you the ability to either Approve, Cancel, Copy or Print. 8
Online Activity Your Online Activity transaction status may vary from item to item. To help you better understand what each of the Online Transaction Status terms mean, we ve included a helpful guide to use as you grow accustomed to the feature. Active: Cancelled: Any transaction generated online that has been initiated within the last week or is in a status that still allows action to be taken. When a transaction, such as funds transfer, has been cancelled by a user from the Transaction Details page, the transaction displays in the cancelled category in Online Activity. Processed: When a transaction, such as funds transfer, has been approved by a user with approval rights and then later processed, the transaction displays in the Processed category in Online Activity. Once you reach this point no changes can be made to this transaction. Other: Any transaction that might have been unsuccessful, or does not fall under the previous categories. 9
Mortgage View your current loan information and payment history, as well as schedule payments, access loan statements and more! Begin by choosing Mortgage from the Accounts menu. Select the account you want to view from the drop-down list and select Submit. You may be required to adjust your pop-up blocker settings to see the Mortgage page. Accessible from the Mortgage navigation menu to the left side of the screen: Payment Information: View loan details, current payment breakdown and payment date information. Loan Balances: View your balances and current year-to-date totals. Memos: Keep current on information concerning your home mortgage. Payment History: View your mortgage loan payment history. Payment Options: View your available home mortgage payment options. Account Information: View your MAX mortgage account information. Statements/Documents: View, save or print statements and documents. Payoff Request: Most secure method to request a MAX mortgage payoff. 0
estatements The estatements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and save your statements electronically. Begin by choosing estatements from the Accounts menu. Select the document you would like to view. You can also download each statement for your record-keeping.
Funds Transfer Online banking enables you to transfer funds between accounts quickly and easily. Begin by choosing Funds Transfer from the Transactions menu. Start by selecting the From and To Accounts. Enter your desired Transfer Date, or use the handy calendar feature. Next, enter the Amount to transfer. You may also enter a Description of the transfer for future reference. When finished, click Submit to process your Transfer.
Recurring Transfers Do you wish you could remember to transfer money to your savings account each month? Recurring transfers make life easy by automating this task on a date that you specify. 4 5 Begin just as you would with a one-time transfer by completing the Transfer From, Transfer To, Amount and Description (optional) of the transfer. In the Enter Transfer Frequency box choose Recurring. Choose how often the payment should occur by choosing the frequency: Weekly Payment or Monthly Payment, and by choosing to initiate the payment every x of weeks/months. Check which day of the week/month you want the payment to go through. 4 Indicate when you want the payment to start and end by using the calendar icons as well as choosing No end date, End after or End on. 5 When finished, click Submit to process your Transfer. Note: To complete your transaction, you will be directed to a new window. Click Approve. The approval step is not required for retail users. To manage your Recurring Transfers, just click Recurring Manager in the Transactions menu. From there you can choose to stop a Recurring Transaction if needed.
Recurring Manager The Recurring Manager link quickly organizes all created recurring transfer transactions associated and completed online. From the Recurring Manager, you can group items by category and view, approve, or cancel recurring transfers. Please note that once a transaction is processed, it cannot be cancelled. Begin by choosing Recurring Manager from the Transactions menu. Select a transaction entry you would like to review. Selecting an entry will allow you to View, Approve, Cancel or Print the displayed information. Sort your transaction entries by subject and date. 4
Add External Account Including outside accounts into your main financial institution ensures the ability to transfer funds to and from those accounts by integrating them all into one simple location. Begin by choosing Add External Account from the Transactions menu. Read all of the instructions carefully, then enter your Account Number, Routing Number and Account Type. When finished, click Continue. 5
Verify External Account Once you have begun the initiation for an external account to be added, the next step is to verify that account. Begin by choosing Verify External Account from the Transactions menu or by utilizing Step on the Add External Accounts screen. Click on the link provided to enter the amounts of your micro deposits and to activate your external account. This will complete the process of setting up an external account. Your external accounts will now appear in the From Account/To Account drop down menu located on the Transfer Funds screen. 6
Bill Pay Overview What is more reassuring than being in control of your finances? Staying in control of your bills! With Bill Pay, you have the ability to stay on top of your monthly finances with utmost ease and turnkey efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills. Online Bill Pay makes a quick and easy alternative to paying your bills online. Click Bill Pay under the Transactions menu to begin managing your bills online. You ll then be directed to a payment center where you will be able to view new messages and alerts, as well as previous activity and scheduled transactions. Shortcut Take a shortcut to paying your bills with this feature that pre-loads your payee information based on the history of your payments and increases your overall scheduling speed! Sign Off Be sure to return to the main online banking window and click Sign Off from the left-hand navigational menu in order to safely end your bill pay session. 7
Payees The person or company to whom you are sending funds is known as the payee. A payee can be almost any company or person you would send a check, like an auto finance company, a cable TV provider or even a lawn care service. With a variety of payees that one may need to keep track of, we pride ourselves in keeping them organized for you to ensure an effortless experience! Begin by choosing View Payees from the Payees menu. Payees are listed by name and account number. Click Edit to update payee information. Click Pay to make a payment to this payee or Delete to remove this payee from your account. Additional features included in the Payee Menu are options such as adding and sending funds to individual people or to a charity or gift recipient of your choice. Simply click next to the appropriate item to begin setting up your chosen selection. Note: This system should not be used to pay alimony or court ordered payments. 8
Payee Setup The first step in the bill pay process is to add one or more payee(s) by entering information in the provided fields. A recent bill or statement should have all the necessary details. Many major payees are set up in a predetermined list of payees within the system, so that you may use the search option. When a search is initiated, just a few pieces of information will be needed to finish. Once a payee is set up, you can begin processing payments, and ultimately access billing and history details for the specified payee. Begin by choosing Add a Payee from the Payees menu. Determine the type of payee to be added. Select whether the payee is a Company, Individual, Bank or Credit Union. Enter the required information in the provided fields. Click Next to proceed. 9
View Bill History View and print bill history and details by entering the appropriate search criteria. Begin by choosing Payment History from the Payments menu. Narrow down your search using the provided drop-down menus and options. To print the search results for your records, click the provided link. Click New Search to view additonal payment history. 0
Make a Payment The introduction of our quick payment option provides a smart, convenient and quick way to send a payment to a payee on a regular basis. This option gives you additional control and confidence, and allows you to make a payment in no time! 4 Begin by choosing Single Payment from the Payments menu. If you desire to set up automatic payments, choose Recurring Payment. You will then be directed to enter the payment information, along with the payment frequency. Select the type of payment to be made. Choose the payee. From the drop-down menu, choose the account from which the payment will be made. Next, enter the Amount and Process Date. You may use the calendar feature for added ease. 4 Click Next to proceed.
Schedule Payments Our scheduled payment feature keeps you ahead of your tasks and organized with only a few quick and easy steps! Begin by choosing Scheduled Payments from the Payments menu. Payees are listed by name and account number according to the details chosen using the drop-down menus. To print the search results for your records, click where shown in the screen shot above. Click Edit to revise the payment information. Click Stop to cancel.
Change & Cancel Payments Even after you have scheduled a payment, you have the ability to change or cancel your payment up to the time it begins processing. This convenient feature gives you the freedom to change the way you make your payments. Once you have selected to edit a payment, you will be directed to a window from which you can revise the information. Click Submit Changes to proceed. If you choose to cancel a payment, you will be directed to review the payment information. Click Stop Payment to complete the process.
Smartfolio Use MAX s personal financial management tool to smartly budget and track your finances. Smartfolio will help you see the big picture by showing your financial net worth, allowing you to set savings goals and giving you the ability to track your savings progress. Let MAX help you become the financial genius you ve always been destined to be! Smartfolio makes managing your money enjoyable, educational and effective. It provides an easy and secure way to see your overall financial picture. Smartfolio will help you plan and budget your future using the tools it provides. Use Smartfolio to create a budget, create a financial calendar, track your expenses, set financial goals, create alerts for yourself via mobile texting or email and much more! 4
Add New Account Begin or add a new account with MAX in mere minutes and enjoy the benefits of a smarter banking relationship! Begin by choosing Add New Account from the Services menu. To join and begin your banking relationship with MAX, create a brand new account by clicking Open New Account. You will then be directed to enter important information about you. If you are currently a MAX member and would like to create a checking, certificate account or money market account, click Add Account. To complete an application, check the status of an application or view a secured message, enter your email address and click Application Login. 5
Stop Payment Stop a pending payment in the event that any issue arises. If you believe your checks were stolen, you can quickly submit a Stop Payment request within online banking. Once you have completed the stop payment, please contact a MAX associate so we can take the proper precautions to maintain the highest level of security against identity theft and fraud. Begin by choosing Stop Payment from the Services menu. Select the account from the drop-down menu. Enter a comment if desired. Enter the Check Number, Payee, Amount and Date Submitted. When finished, click Submit. Note: A new window will open confirming the details of your Stop Payment transaction. You can either click Approve or Cancel. We recommend printing a copy of the confirmation window for your records. 6
Reorder Checks Before you write your last check, save yourself a trip to the branch by placing your check order request online. Begin by choosing Reorder Checks from the Services menu. From the Account drop-down menu, choose which account you would like to reorder checks. When you have chosen the desired account, click Submit. Note: You will then be directed to another screen to choose your desired quantity, style and to complete your order. 7
Update Contact Information Maintaining up-to-date information on your account is very important to us, as it allows us to keep you current with any account changes. Now keeping your personal information current is easier than ever! Begin by choosing Update Contact Information from the Services menu. Enter your information in the provided fields. Click the Select All button. Be sure to double check that your information was entered correctly. When finished, click Submit. 8
TurboTax Of course, we have more than just banking in mind! Take direct advantage of TurboTax, the best-selling and state-of-the-art tax software, for any preparation needs or queries. 4 Begin by choosing TurboTax from the Services menu. Right away, you will be directed to a new screen that will display the TurboTax homepage. Utilize the Help feature located under the address bar for expert assistance with any tax queries or concerns. If you are new to TurboTax, click Start for Free. If you are an existing customer, click Sign In. Choose whether you would like to file your income taxes directly online or download the TurboTax software onto your computer. You can even prepare your taxes on your phone or tablet! 4 Click Learn More to access current tips and news. 9
Secure Messages The Secure Message feature in online banking is a notification service where you will find Alerts and Notifications regarding your account. You can also send messages and upload documents to MAX securely. This is the location to stay up-to-date with your account and our services. 4 Begin by choosing Messages from the Services menu. Click on the Message you would like to read. Your message will open in a new window. Here you can Reply, Delete, Save and Print your messages. Sort your secure messages by subject and date. 4 To send a new message, click New and select an applicable topic from the drop-down menu. Type a subject and body of message. When complete, click Send. Message replies will be returned directly to the sender. 0
Account Display The Account Preferences feature allows you to change the way your accounts are displayed within online banking. Here you can create nicknames for your accounts, like Payroll Account or John s Checking Account. 4 Begin by choosing Account from the Preferences menu. The Order feature allows you to prioritize the order in which you see your accounts. All accounts are grouped by account type, such as checking, savings, etc. You will see this change reflected in your Account Overview page. Enter any nicknames or Display Names for your accounts. Choose how you would prefer to view your account history by choosing either number of items or number of days. 4 Click Submit when you are finished.
Alerts Alerts allows you to be in-the-know with your account balances, transactions and a variety of other alerts. You can even be alerted when a transaction takes place at a specified retailer. Depending on your preference, we will send you a text message or phone call as well as a secure message when the alerts you choose are triggered. Begin by choosing Alerts from the Preferences menu. Click the Add Alert drop-down menu, then choose New Account Alert. Choose from the provided options and enter any information required. When finished, click OK.
Security Preferences To access the Security Features within online banking, choose Security under the Preferences menu. This will allow you to change your password, add your secure delivery contact options and set up security alerts. Setting up security alerts is an excellent way to help prevent fraud and stay informed of changes to your account and online profile. Begin by choosing Alerts from the Preferences menu. Changing your password is easy with the Password tab. Just enter your old password, type in the new password and click Submit Password Change. To change your Login ID, simply enter the new ID in the field provided and click Submit Login ID Change. These are the methods your secure access codes can be delivered. You may add as many phone numbers as you wish. To add a telephone number, click Add Delivery Contact, and then select phone or text number. Alerts notify you of important security information regarding your activity on your online sessions.
Mobile App The MAX Mobile Banking App is available for Android devices and iphone, ipod Touch and ipad. Download the MAX App from Google Play (Android) or the Apple Store (iphone, ipod Touch, and ipad) anytime! Our app is the most convenient way to enjoy smarter banking on-the-go! 4 Our safe and secure app allows you to: Deposit a check with the simplicity of taking a picture View account summary information Pay bills Make one-time transfers Locate a MAX ATM or branch nearest you Contact MAX by phone or email And more!
Mobile Sign Up If you choose not to download the MAX Mobile Banking app, you can use the browser on your mobile device to access your account as well. Any web-enabled device with internet access will do. So instead of spending precious time running to the nearest computer or preferred branch, we give you the control to manage your finances on your own terms. The Mobile Enrollment feature allows you to sync your mobile device to your MAX account, for quick and user-friendly access to your account(s). Mobile Enrollment is your first step to Mobile Web Banking. Please Note: This step is not necessary to use MAX s mobile banking app. Simply download the app and start your smarter banking experience! 4 Begin by choosing Mobile Sign Up from the Preferences menu. Select the Yes, enable my User ID and Password for use on my mobile device check box. Verify the Mobile Access URL is displayed correctly by copying and pasting it into a new browser tab. Enter an email address and click Send. An email will be sent with the mobile URL. 4 When finished, click Submit. Proceed to Mobile Authorization to activate mobile devices. 5
Mobile Web Authorization Manage your online banking payments and transfers on-the-go using your mobile device. Mobile Web Authorization is also an extra security measure to ensure nobody else is accessing your account. Begin by choosing Mobile Sign Up from the Preferences menu and selecting the Mobile Authorization tab. Enter your desired 4-digit Mobile Authorization Code and preferred email and phone delivery preferences. You will need this code to make transfers and approve transactions using the web browser on your mobile device. Choose the types of transactions you agree to be an approver for, upon request. Click Submit when finished. 6
Text Banking Text banking requires that the user is registered for the service. From the Text Banking tab in Mobile Preferences, you can select the option to enroll, register a phone number and agree to the terms of service. 4 Begin by choosing Mobile Sign Up from the Preferences section of the navigation menu, and selecting the Text Banking tab. Select Yes, enable my accounts for use on my text device. Enter a number for a text enabled mobile device in the SMS Text Number field. Select the check box to agree to the terms of service and click Submit. A confirmation text message will then be sent to the mobile device. Text Command Options To 656 (BANKME) for the Following Information: Text Command BAL or BAL <account nickname> HIST <account nickname> XFER <from account nickname> <to account nickname> <amount> LIST HELP STOP Action Request account balance Request account history Transfer funds between accounts Receive a list of keywords Receive a list of contact points for information on text banking Stop all text messages to the mobile device (for text banking and SMS alerts/notifications) 7
Mobile Web If you don t have the MAX Mobile Banking app, you can still access your account using the web browser on your mobile device. Whether you are at home or on the run, you can be assured that our simple, yet superior services never leave your side. Begin by entering mymax.com/mobile in your browser s address bar on your mobile device. Click Login to proceed entering your credentials for access into our mobile website. Once you have entered your User ID and Password, click Log in. Additional menu options are also available for the many services we provide to you. For example, click Apply and a set of new options will display, maintaining a simple and focused solution to any financial needs or queries. 8
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Contact MAX: 400 Eastdale Circle Montgomery, AL 67 Local 6.60.600 Toll Free 800.776.6776