godough Mobile Banking General Guide A Note About This Manual Although we make every effort to be accurate, the screen shots in this training guide may not be exact representations. There are thousands of mobile devices available in today s market and for this reason we re unable to guarantee that our screen shots will match your device Types of Mobile Banking Mobile Browser Accessed by users who ve navigated to westcentralbank.com on a mobile device. iphone and Android Apps Accessed by users who ve downloaded WCB s iphone or Android app. Classic View Automatically displays to users not utilizing an iphone, Android, or Windows device. Text Banking Use text commands to deliver balances and history. Does not utilize a browser. 1
Mobile Browser Banking Mobile Browser banking allows users to: Search for locations View alerts View account balances o Balance that displays to user is dependent on the balance the FI has chosen to display on the NetTeller landing page. View transaction history o The amount of transaction history available is dependent on end-users selected display setting in NetTeller > Settings > Display > Transaction History o Establish transfers o Pay Bills Apps Apps offer many features: Geolocation services Accounts Transactions Immediate transfers Future-dated transfers Bill payments Future-dated bill payments Alerts Remote Deposit Anywhere P2P 2
Enrollment Enrolling through traditional NetTeller 1. Log in to NetTeller. 2. Select Options > Mobile Settings > Web Mobile Banking. 3. Complete the fields and click Submit. a. Choose whether to receive enrollment, transfer, and payment confirmations via text message. i. If No is selected for Receive Text Message Alerts, a text message for confirmation of enrollment, transfers, bill payments, ACH initition, or wire transfers will not be sent. b. Enter mobile device number. c. Select the wireless provider for the phone number. i. If you are unsure who your service provider is: Call the customer service number for your device and ask. Send a text message from your phone to your email address and view the From field on that email. d. Select accounts to access via Mobile Web. At initial enrollment, the first account is checked. 3
4. Review enrollment information. Check I accept these full terms and conditions. Click Confirm. 5. A confirmation message displays. If text alerts have been chosen in the previous step, you receive a confirmation text message that includes the URL to access Mobile Web. 4
Enrolling through mobile device You may be able to enroll for mobile banking through your mobile device, if: You have previously logged in to the traditional NetTeller website successfully You have a NetTeller ID in an Active status You are not in the middle of a password reset You are not required to agree to a revised Online Agreement 1. Navigate to mobile banking site or open App. Log in with your NetTeller ID and Password. 2. Accept terms and conditions by clicking checkbox next to I Agree. Click Continue to continue. 5
3. Complete the fields and click Enroll Now. a. Choose whether to receive enrollment, transfer, and payment confirmations via text message. b. Enter mobile device number for text confirmations. c. Select the wireless provider for the phone number. i. ALL NetTeller accounts are enrolled by default. Log in to traditional NetTeller to deselect accounts, unenroll, or make changes to your enrollment text preferences. After a successful enrollment, you are directed to the Menu or Accounts screen. Password Expired: Log in to traditional NetTeller to establish a new password. Please enter a valid Phone Number: Enter a complete phone number. Please select a Wireless Provider: Select a wireless provider from the drop down menu. 6
Login Screen Locations allows searches for branch and ATM locations. Mobile Banking directs you to the login screen for NetTeller Mobile (Classic view only). 7
Locations Locations are available from the login screen and from the main menu once logged in. Click Show All Locations or Display All Locations to see a listing of all branches and ATMs. Search for locations by Zip Code, Search By City, Search by State, or Show All Locations. 8
Mobile Browser View Log in to Mobile Banking 1. Navigate to https://www.westcentralbank.com on you mobile device. 2. Click on Online Banking Login 3. Enter your NetTeller ID and Password to access mobile banking. 4. Click Login 9
Navigating Available activities are accessed using the menu icon. When viewing transactions or doing transfers and bill pay, swipe the screen up and down to access more accounts or payees. 10
Alerts Step 1: Select Alert(s) in the menu. Step 2: Select the alert name for more details. 11
Transactions Step 1: Select Accounts in the menu. Step 2: Select the account by clicking anywhere on its name. Scroll through the transactions by swiping up or down. The Transaction display results are determined by your user display settings within NetTeller. 12
Transfers One-time, immediate transfers can be made using mobile banking. Step 1: Select Transfers in menu. Step 2: Select the account to transfer From and the account to transfer To. Fill in the dollar amount and press Submit. 13
Bill Pay One-time payments can be made through Mobile Browser. The payment date is immediate (unless entered on a non-processing day.) The payment processes at the next bill pay processing time. Step 1: Select Bill Pay in the menu. Step 2: Select payee and the account from which to pay. Fill in the dollar amount and press Submit Payment. 14
iphone & Android App View Log in to Mobile Banking Step 1: Open your financial institution s App. Step 2: Select Login button. Step 2: Enter your NetTeller ID and Password. 15
Navigating Access available actions by tapping icons on the screen. When viewing an account or activity list, swipe the screen up and down to access complete list. 16
Alerts Step 1: Touch the Alerts icon on the Home screen. Step 2: Select the alert name for more details. 17
Transactions Step 1: Navigate to the Accounts menu by selecting the icon. Step 2: Select the account by clicking anywhere on the name, balance, or >. Scroll through the transactions by swiping up or down. The Transaction display results are determined by your user display settings within traditional NetTeller. 18
Transfers One-time, immediate transfers, and future-dated transfers are available with iphone and Android Apps version 3.0 and above. Step 1: Select the Transfer icon from the home screen. Step 2: Select the account to transfer From and the account to transfer To. Fill in the dollar amount, select a transfer date, and press Submit. 19
Remote Deposit Anywhere (RDA) Deposit checks and review checks deposited via mobile banking with iphone and Android Apps. Depositing a Check Step 1: Select Deposits from navigation menu and select Deposit a Check. Step 2: Tap Check Front. Step 3: Take a clear picture of the entire check by lining it up within the brackets. Tap Use. 20
Step 4: Tap Check Back. Step 5: Take a clear picture of the entire check back by lining it up within the brackets. Tap Use. Step 6: Enter check amount and select account for deposit. Tap Deposit. Reviewing a Deposit Select Review and tap Details next to desired deposit. Information such as deposit date, amount, and account displays along with options to view front and back check images. 21
P2P Establish payees and set up Person to Person payments P2P Payee Setup Step 1: Enter payee Name, Nickname, Email, and Keyword. Select Submit. Payee enters keyword to complete setup process. Step 2: Email generates to payee and payee completes setup process P2P Payment Setup Step 1: Select the Person to Pay, Pay From Account, Payment Amount, select the Process Date, and optional Memo line. Select Submit. 22
Mobile Banking Text User Guide Enrolling for Mobile Banking Text Enrolling for text banking must be done through the traditional NetTeller site. Step 1: Log into NetTeller. Step 2: Select Options > Mobile Settings > Text Mobile banking. Step 3: Enter mobile phone number, select mobile provider, select accounts to access via text, and create Mobile Short Name for each selected account. Click Submit. Mobile Short Name is the name included in the text to request information for a specific account. Example: Texting Bal returns the balance of all accounts. Texting Bal Vacay returns only the balance of the account with Vacay as the mobile short name 23
Step 4: Review enrollment information. Check I accept these full terms and conditions and click Confirm. Step 5: Confirmation screen provides instructions to complete the enrollment process. Step 6: Reply Yes to the text message sent to your mobile device. 24
Balance Request Text Bal to request balance information for all enrolled accounts. Text Bal <Mobile Short Name> to request balance information for a specific account. 25
History Request Text Hist to request last four transactions for all enrolled accounts. Text Hist <Mobile Short Name> to request last four transactions for a specific account. Valid SMS Messages Help Bal Bal <mobile short name> Hist Hist <mobile short name> Stop Returns command references. Returns balance for all enrolled accounts. Returns balance for specified account. Returns last 4 transactions for all enrolled accounts. Returns last 4 transactions for specified account. Disables enrollment for text Mobile Banking. SMS messages are not case-sensitive 26
Frequently Asked Questions Mobile Web Q. What type of phone must I have to use mobile banking? A. West Central Bank s mobile solution works with any web-enabled mobile phone device whose network allows secure SSL traffic. Q. What functions can I perform from my mobile device? A. Provided that your financial institution has given you access, you can: View transaction history View account balances Transfer funds between accounts Pay bills to existing payees View locations/atms View alerts Submit deposits (RDA) Q. How do I know if my transfer or bill payment was entered successfully? A. If you selected to receive text alerts, each time you make a transfer or bill payment a confirmation Text Message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via traditional NetTeller. Q. What if I no longer want to be a mobile user? A. Log in to your financial institution s online banking site and select Options > Mobile Settings. Then deselect Activate Mobile Banking Access and click Agree. Q. What happens if I lose my mobile device? A. Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings in NetTeller and make any changes to the Wireless Provider and/or Phone Number. Q. Why can t I add a new Bill Payment payee? A. Bill Payment functionality is limited to sending payments to already established payees. To add a new payee, log in to the online banking site, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device. 27
Q. What happens if I lose communication/signal during a transaction? A. When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you receive a text message as confirmation that the transaction was successful. If you do not receive this message l, or you did not select text alerts during enrollment, check our accounts and re-submit any transactions that did not process. Q. What do I need to do if I get a new phone? A. If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to traditional NetTeller and update your information on the Options > Mobile Settings page. You will not receive text messages regarding Mobile Banking transactions if your phone number and carrier are not correct. Q. Can I use any mobile device to access my accounts? A. Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that text messages are sent to the phone number entered when enrolling for mobile banking, not necessarily the device from which you perform a transaction. Q. How do I delete a bill payment that I set up through my mobile device? A. You must log in to traditional NetTeller ID and delete the payment from the main menu of the Bill Pay module. Q. When I try to enter an amount for a bill payment or transfer, I can t enter any numbers, only letters. Why? A. Check your phone s settings to make sure you don t have alpha-only enabled on the keypad. Q. What if I can t get my mobile device to work with godough Mobile Banking? A. To use mobile banking, your phone must meet the following minimum requirements: 1. Your mobile device must be web enabled. 2. Your mobile network must allow secure SSL traffic. You may need to contact your mobile provider to determine this. 28
Mobile Text Q. Can I enroll for Mobile Text from my mobile device? A. No. Enrollment for Mobile Text must begin within your traditional NetTeller site. Q. How do I get information for a specific account? A. During the enrollment process you designate a mobile short name for each enrolled account. This short name must be included in the text request to get account specific information. Q. How do I un-enroll for Mobile Text? A. Un-enrollment can be accomplished one of two ways. You can log in to your traditional NetTeller site and de-select the enroll option or you can text STOP to 89549. 29