SHOWING YOU THE WAY TO ONLINE BANKING AT CENTRAL BANK INTERNET BANKING QUICK START GUIDE: Overview Welcome to CentralNET, the online banking services of Central Bank. Our family of Central Bancshares, including Central Bank & Trust Co. and Central Bank of Jefferson County have joined to bring you this Quick Start Guide to consumer online banking. We will be updating the Guide as new features are delivered. If you are new to online banking, you may find it useful to download and print this guide as a reference while you enroll. If you need assistance or have questions about CentralNET, please email us at centralnet@centralbank.com or phone us at 253-6359 or 800-637-6884 M-F 8am-5pm ET. Thank you for choosing CentralNET to show you the way to online banking!
Table of Contents How CentralNET Online Banking Can Make Your Life Easier?... 3 It s Safe and Secure... 3 System Requirements... 3 Central Bank s Online Enrollment Procedures... 3 Enrollment steps: Personal Users... 3 Enrollment steps: Small Business Users... 4 Logging In... 4 Account Summary & Detail... 5 Transaction History... 6 Online Checking Images... 6 Online Notifications... 7 Electronic Statements... 7 Go Paperless... 7 One time Transfer or Recurring Transfers... 8 External Transfers... 8 Stop Payments... 9 Bill Payment Enrollment... 9 Functions... 10 Payee Setup... 10 Paying Bills Online... 11 Recurring Payments... 11 Payment Categories... 11 Payment Reports... 12 Contact Us for Assistance... 12 Welcome This guide is designed to introduce you to CentralNET online banking services. We re so excited about our offerings we can t wait to show you how easy it is to manage all your finances online anytime, anywhere. So, no matter where you are at work, or on the road CentralNET is there for you 24 hours a day, 7 days a week, 365 days a year. We re confident you ll find our system easy to use, easy to understand, and that it will reduce the amount of time you spend managing your finances. So welcome! Come on in and let s get started! Sincerely, Luther Deaton, Jr. Chairman, President & CEO Revised January 2013 Page 2 of 12
How CentralNET Online Banking Can Make Your Life Easier? With all its numerous benefits, online banking enables you to: Do your banking when YOU want to anytime, anywhere. Reduce or eliminate the need for checks, envelopes, stamps, and countless trips to the mailbox. Track every transaction you make. View updated balances for accounts Transfer funds between accounts. Print electronic images of checks Communicate directly with the bank through secure email. Receive account alerts and notices for various transaction and balance conditions. The list goes on. Simply put, online banking simplifies and streamlines what used to be a series of tedious, error-prone tasks. Now you can do it all online, quickly, efficiently, and safely all at the click of a mouse. It s Safe and Secure Using an industry-standard SSL (Security Socket Layer) with 128-bit encryption, online banking keeps your transactions and accounts safe, secure, and protected from unauthorized access. Our website is protected as a secure system, noted by the HTTPS designation and the lock at the bottom of the screen. System Requirements You can access CentralNET from any computer with: Internet access (Dial up or Broadband) Microsoft Windows or Apple OS X Secure Web browser, such as Internet Explorer 6.0, 7.0, 8.0 or 9.0 Mozilla Firefox 3.0, 3.5, 3.6 or Safari 1.3.2. Not supported, Safari 4 or Google Chrome. Central Bank s Online Enrollment Procedures Just go to centralbank.com and click on the Enroll link under the login box to get started. You may select your own User ID and Password. Note: Small Business customers need to download the enrollment form and send it to the Bank with an authorized signature to be enrolled. Enrollment steps: Personal Users 1. Click the ENROLL link under the login box for CentralNET. 2. You will be asked a few questions to verify your accounts and select your User ID and Password. The User ID and Password must be at least eight-digits and include at least one alpha character and one numeric character. Do not use the following as part of your User ID or Password:!,@,#,$,%,&,*,-.+,=, or a space, as they will create errors and prevent login. 3. Next, you will select and answer a few security questions that only you can answer. These security questions may appear periodically at login or upon logging in from a different IP address as part of the enhanced security provided by CentralNET. You will also be required to open the Terms and Conditions that apply to your CentralNET access. 4. We strongly advise that you do not allow your Windows program to save your User ID or Password. 5. After initial enrollment, take a few minutes to familiarize yourself with the navigation and function. You can click on the Bill Pay section to benefit from the time and cost advantages of paying your bills Revised January 2013 Page 3 of 12
online. It only takes a few minutes to get started. Once you complete the Bill Pay enrollment process you are ready to enjoy the speed and convenience of online banking at Central Bank. Enrollment steps: Small Business Users 1. Small Business users need to complete a CentralNET Small Business Authorization Agreement Form and submit it to any office of the Bank. To download the form select Business Services, CentralNET Business Online Banking and then click on the link To enroll for CentralNET Small Business located under CentralNET Small Business heading. 2. Once we receive your enrollment form we will process it within 24 hours and notify you when you can login. For additional information or assistance about enrollment please call Client Services at 859-253-6359 or 800-637-6884 M-F 8am-5pm ET. Logging In Go to https://www.centralbank.com and complete the Log In screen. 1. Enter your User ID. 2. Enter your password. It must be at least eight-digits and include at least one alpha character and one numeric character. Do not use the following as part of your User ID or Password:!,@,#,$,%,&,*,-.+,=, or a space, as they will create errors and prevent login. 3. Click on Go. 4. You may be asked to answer a security question that will be used to help identify you and to protect the privacy of your accounts. Revised January 2013 Page 4 of 12
Account Summary & Detail After you have logged in, the first screen you will see is your Account Summary screen. This screen displays the Account nicknames, effective dates, current balances and available balances for each of your accounts. If you would like to change the account names to Nicknames, select the Services and Preferences tab, then Online Preferences to display your accounts. You can give each account a Nickname to make it easier to identify. If you click the Details button on the Account Summary screen, additional detail for the selected account will display. Following is a sample Account Detail screen for a checking account. Revised January 2013 Page 5 of 12
Transaction History On the Account Details screen, you can enter specific search criteria upon which to request transaction history. You can search on the From and To dates, Transaction type, amount or a specific check # or a range of check # s. 1. Select account 2. Enter your search criteria 3. Click Search 4. The system will retrieve your transactions balance once the search is entered. 5. Note: Some transaction descriptions may change slightly, when overnight processing is completed. Online Checking Images With online check imaging, displaying checks is easy. To view your check images online, access the Account Details screen for the appropriate account, specify your specific search criteria, click Search, then select the desired check from a list of Transaction History items. 1. Select account 2. Specify search criteria 3. Click the hyperlinked check number under the check number column for the check you would like to view. Revised January 2013 Page 6 of 12
Online Notifications Online notifications received via e-mail and/or bank messages allow you to keep up-to-date when your accounts undergo certain conditions, such as balance fluctuations, transaction postings, payment-due dates, and so on. After you have logged on, select Accounts then Notifications. The Notifications setup screen displays for the default account. You may select notifications for different accounts by changing the account number in the drop down box. The following example shows how to set up notification conditions for a deposit account. 1. Choose the Event(s) for which you would like to receive notification. 2. Set notification time frame. 3. Set notification method. 4. Click Save. Electronic Statements 1. In order to view your current or previous statements from your CentralNET access please click on estatements from the top toolbar. 2. Select the account you wish to view from the dropdown box and click on GO. 3. Next, select the statement date you are looking for from the dropdown box and click GO. 4. The statement will pull up for you to view. You may also click on the View Back of Statement button. 5. Note: Adobe Acrobat Reader is required to view your estatement. Go Paperless 1. If you would like to Go Green you may click on Go Paperless from the top toolbar. 2. Next you will need to place a check mark to the left of the account name that you would like to stop paper statements on. You may also choose the Select All button from the bottom of the screen. 3. Review the estatement Terms and Conditions by clicking the link. 4. The last step is to place a check mark in the box agreeing to the estatement Terms and Conditions and click on Submit. Revised January 2013 Page 7 of 12
One time Transfer or Recurring Transfers To create a new transfer transaction after you have logged into the system, select Transfers. The New Transfer screen displays. 1. Select the From Account from the dropdown box 2. Select the To Account from the dropdown box. 3. Enter the Transfer Amount. 4. Select the type of transfer from the dropdown list. 5. If you choose the onetime transfer type, input the transfer date. 6. If you choose a recurring transfer type, input the transfer and Frequency. 7. If you would like to receive notification when a transfer is complete, check the notification box. 8. Click submit transfer External Transfers 1. If you would like to send or receive monies from another banking institution, you will click on Manage External Accounts from the Transfer screen. 2. You can either add a Central Bank Account or add an External Account. 3. To add a Central Bank Account enter a nickname for the account, the account number, choose the routing number from the drop down list and select if it is a deposit or loan account. Click on the Save button, this account will now be available to you to make transfers into from your Funds Transfer screen, the account will be identified by the nickname that you ve given it. 4. To add an External Account enter the Institutions Name and routing number, account number, select the type of account and enter a nickname. Read the Terms and Conditions, check the acceptance box and hit save. 5. The next business day you will need to review your external account to know what small dollars have been deposited into the account for validation. Return to the Manage External Accounts screen, click on Validate under the Status column and enter the small dollar amounts. 6. Once you have set up the External Account relationship, the External Account will show up in your transfer to and from dropdown menu items on the Transfer screen. 7. Please review the Funds Transfer Frequently asked questions section of the Central Bank website for more information on this feature. Revised January 2013 Page 8 of 12
Stop Payments You can request a stop payment for a single check, range of checks, or ACH item. After you have logged on, select Stop Payment. The Stop Payment Request screen displays. 1. Select the account. 2. Specify the type of stop payment by clicking in the radial button next to Single check, Range of Checks, or a one-time ACH Stop Pay. 3. Enter the required payment information for the Stop Payment type. 4. Enter your email address, phone #, and any pertinent remarks. 5. Please review the terms and condition and then click the acceptance box. 6. Click Submit. Bill Payment Enrollment To enroll into online Bill Pay, select the Bill Pay link. The online Bill Pay screen Displays. 1. Read through the Terms and Conditions. 2. Click the check box, indicating that you agree with the terms and conditions. 3. Click Enroll Now. The Online Bill Pay - Enrollment input screen displays. 4. Enter your information into all of the fields and select which account(s) you would like to use to make bill payments. Revised January 2013 Page 9 of 12
5. Click Submit. A confirmation screen displays. 6. If you wish to launch the bill-pay service, click Pay Bills Now. You may start setting up your Payee information at this time but you will need to wait up to 24 hours to initiate your first payment. You will receive a system generated email when your Funding Account(s) has been approved and you can start making payments. Functions After you select Bill Payment, the My Bills screen is displayed. From this screen you can launch all the various Bill Payment features available. Some of the functions that you may perform using Bill Payment include: Set up payees. Make payment. Review pending payments. View payment reports. Manage your funding accounts. Payee Setup A payee is any company or individual you pay regularly or as needed, such as utility providers, credit card companies even personal friends. From the Bill Pay Main Menu, select Add new payee. The Add a Payee screen displays. 1. Enter the payee s name and click continue. 2. Enter your account number (if applicable). Revised January 2013 Page 10 of 12
3. Enter the payee s zip code. 4. Nickname your payee 5. Select a payment category for reporting. 6. Click add payee. 7. Enter the payee address. 8. Enter the payee phone #. 9. Click Add Payee. 10. Confirm payee information. 11. If you need to edit the payee info, click Change Information. Make appropriate changes and click Save Changes. Paying Bills Online Making payments has never been easier. From the Bill Payment menu, select Make a payment. The Make Payments screen displays. 1. Select account from which to make a payment from the dropdown menu. 2. Enter payment amounts for each payee you wish to pay. 3. Review the send on date. 4. Click Make payments. The system schedules the payments and displays a confirmation screen. Recurring Payments You can set up a recurring payment to any payee, such as a landlord or any other payee who sends you a bill for the same amount each time a payment is due. From the Bill Payment Main Menu, select My payees. Then click The Payee name for the appropriate payee to get the payee details. Click Change Options in the Payment Options Section. The Set Payment Options screen displays. 1. Select the Funding account. 2. Select Pay automatically at regular intervals. 3. Enter the payment amount. 4. Select the payment frequency. 5. Specify the payment time frame. 6. Click Save Changes Payment Categories To help you better manage your payments, you can create payment categories to group your various payees. From the Bill Payment Main Menu, select Manage categories. The Manage Categories screen displays. Next, click the add a new category link. The Add Payment Category form displays for your input. 1. Enter the desired category name. 2. Select each payee you wish to include in this category. 3. Click Add category. Revised January 2013 Page 11 of 12
Payment Reports For your own account-auditing purposes, you can request and/or download a series of pre-defined accountactivity reports. To view a specific report, click View report. The View Reports screen displays. 1. Select desired report from the dropdown 2. Click View. 3. Review the displayed report. 5. You can Print, Download or Edit/Delete the report by choosing the blue links. To create your own Report, Click View Report and then Create a Report. 1. Enter a Report title. 2. Enter a time frame. 3. Choose a Subtotal Method if you wish. 4. Select the Payees you would like the report to reflect information for. 5. Select the Funding Account(s) you would like the report to reflect information for 6. Select the payment status. 7. Select the Save as Default option. 8. Click Create a Report To view the report, choose it from the dropdown menu and click view. Contact Us for Assistance Immediate assistance is available Monday through Friday 8am-5pm ET by calling CentralNET Client Services at 859-253-6338. If you need the assistance of Bill Pay Support, Under Administration, click Contact client services. The Contact Client Services page displays with your name and e-mail address fields already filled in. For after hours and weekend Bill Pay assistance please call 866-721-1028. 1. Select the subject on which you need help. 2. Type your comments. 3. Click send message. A service representative will e-mail you a response. For other questions concerning CentralNET, please call 859-253-6359 or 800-637-6884. Service is available Monday-Friday, 8:00 5:00. Member FDIC Revised January 2013 Page 12 of 12