Online and mobile banking provides an improved account management experience. The interface and features are consistent and intuitive, making managing your information simpler and faster.
You can perform the same tasks with the same basic user interface (UI) across each device. These tasks, however, are relative to the device that makes the most sense. For example, you can take a picture of a check for mobile deposits on your phone, but not on a desktop.
Online and mobile banking adapts to your device
The online and mobile banking platform adjusts to the unique needs of each device, including screen size and other hardware differences. For example, on tablets and smartphones, the navigation menu is hidden by default. When you need it, you can tap or swipe to display it. In addition, some navigation tools are simplified for use on tablets and smartphones.
When you make a change while using one device, it is reflected in another. If you update a setting in online banking, the same setting takes effect in mobile banking the next time you log in.
Welcome to the online help for online and mobile banking. The online help is divided into six sections, including overview information, topics for each main product, information on other features, and frequently asked questions. Each section appears as a link at the top of online help that you can click to access content.
Note: Some menu options, features, and functionality mentioned herein may not be available, depending on how the online help is configured for your financial institution.
Click a link at the top of the page to visit that topic, or hover over a link to view its child topics.
Note: In mobile, tap the hamburger menu () to view the slide-out menu.
Use the navigation tree on the right side of each topic page to browse related topics. You can also click the previous and next buttons () to navigate to the previous or next topic. Click the Print icon () to print a topic page.
You can navigate back to the Home page from any page within the online help by clicking the home icon ().
To search across all sections, type keywords in the search bar at the top of the page. You can also use Boolean operators, as described in the following table.
Search for a phrase.
Note: The search engine ignores commonly used words such as a, an, the, of, and to. If a search is not successful, remove less important words.
Successful:"big white whale"
Unsuccessful:"it was a dark and stormy night"
OR (case insensitive)
| (pipe symbol)
cat or dog or mouse
"windy day"|"cumulous cloud"
AND (case insensitive)
+ (plus symbol)
cat And dog
"noodle soup"&"animal crackers"
NOT (case insensitive)
! (exclamation mark)
cat and (dog or mouse)
cat or dog and (! fish)
Install the mobile banking application to use mobile banking on your iOS or Android device. You can download the app from the Apple App Store or the Google Play store.
Caution: To protect your financial information, you should only download and install the app from the Apple App Store or the Google Play store. In the store, verify that our financial institution (FI) is listed as the seller of the app, not a third party. You should also verify that the name is spelled correctly.
To install the app
After installing the app, you can use it to manage your financial information.
To open the app
This section describes other significant features in online banking and mobile apps.
Symantec Validation & ID Protection (VIP) Security token codes are online security credentials that add an extra layer of identity protection when you log into online banking.
To obtain a VIP token code
Note: A Security Code also appears. This is the secure code you will use to authorize transactions. A new Security Code appears every 30 seconds. See Approving transactions for more details.
The login process may vary depending on your FI's settings. The most common methods are:
When you use a SAC, we send a one-time code to an email address, text message number, or phone number that is on file for you.
Note: If you do not already have a login ID, contact your FI to obtain one.
To log in for the first time with a secure access code
To log in for the first time with a VIP token code
Note: You may need to wait for a new code to appear, then enter the second code in the Enter Second Symantec VIP Token field.
Note: You may be prompted to enter a second code for some types of transactions and the first time you use a code generated by a VIP token.
If your FI offers Touch Authentication, you can log in using your mobile device's fingerprint sensor rather than a login ID and password.
If your Apple or Android mobile device has a fingerprint sensor and is operating on a supported OS version, you can log in using your fingerprint. Only one fingerprint can be registered to an account. The encrypted fingerprint is stored on the mobile device only and is not available to any other service providers, including the FI.
Caution: You must set up fingerprint authentication on your device before logging in.
Note: For iOS, refer to https://support.apple.com for information on setting up Touch ID on your device and scanning a fingerprint for the first time.
Note: For Android, refer to http://developer.android.com for information on fingerprint authentication.
To enable Touch Authentication settings
To log in with Touch Authentication
Note: Touch Authentication is tied to your online banking password. Therefore, if you change your password for online banking, you must disable fingerprint authentication, then enable it again to be able to log into online banking with Touch Authentication.
See Disabling Touch Authentication for more information.
Note: After five failed attempts, you'll be given the option to enter your account password. You will also have to enter your password after you restart your device, or enroll or delete fingerprints.
This section describes all Consumer features in online and mobile banking.
When you log in, enter your login ID and password. If you use a browser or a device that is not registered, you must also enter a SAC or VIP token code, depending on how your login ID is configured.
To log in after the first time
To log in after the first time with a Symantec VIP Token
In online banking, you should always log off before you close the browser window. In mobile banking, you should always log off before you open another app on your tablet or smartphone.
To log off
To help ensure your security, we automatically log you off when you have been logged in for an extended period. This session timeout is designed to protect the security of your financial information. There are two types of session timeouts:
This section describes all Corporate Banking features in online and mobile banking.
This section describes all Business Banking features in online and mobile banking.
You can use the options in the navigation menu to perform multiple tasks. The navigation menu is always available to the left of or above the page you are viewing on a desktop. The order of the items in the navigation menu may vary depending on your FI, but the following items should normally appear based on your access to the functions.
Note: Conversations may appear as Messages, depending on your configuration.
On a tablet or a smartphone, the navigation menu does not always appear. Tap the Menu button or swipe from the left edge of the screen to show it. Tap the Menu button again or swipe to the left edge of the screen to hide it.
The Sidebar includes some or all of the following:
On a tablet or a smartphone, the Sidebar does not always appear.
To view the Sidebar in mobile banking
To hide the Sidebar in mobile banking
On the Home page, the Accounts area lists every account whose history you can view. For each account, you can see the account name, the last few digits of the account number, and the balance.
Accounts that include a label () are serviced by a third-party vendor and will open a new window in order to display transaction information. If you configure nicknames for accounts in Settings > Account Preferences, the nicknames appear. You can drill down into any account with your FI to see account details, where 100 transactions are displayed per page.
When you click or tap an account with the External label, a new page linked to a third-party vendor opens in either a new browser tab or a window overlay on the Home page.
The following information may appear on the Home page for each account:
The default name for the account or a custom nickname that you create in Settings.
The masked account number. For your security, only the account name and last part of the number may appear. For example, regular checking account number 123456789 may appear as Regular Checking 789.
The balance and balance type (Available and Current) for the account.
Note: There may be one balance followed by Transactions Pending instead of two balances, depending on the financial institution configurations and the presence of pending transactions on the account.
Tip: If the Home page includes the Account Summary graph, you can click or tap the segment of the graph that represents an account to view account information.
To hide or show the Account Summary graph
The Account Details page may include the following information:
The available balance for the account, including any pending credits or debits.
The current balance for the account, not including any pending credits or debits.
The first 100 transactions in the account, according to the current sort order. At the bottom of the page, you can go to the next page to view the next set of 100 transactions.
Tip: To view some of the information on the Account Details overview, you may need to click or tap the details icon ().
Note: Some of the Account Details information may vary depending on our financial institution's configuration. Information displayed for externally-serviced accounts is determined by the third-party vendor.
For more information about changing the order of the transaction list, see Sorting transactions.
For more information about exporting records from the transaction list, see Exporting transactions.
On the Account Details page, you can view the following information for each transaction in an account:
Transaction information on the Account Details page
The images associated with the transaction, if applicable.
The Account Details page includes information about the account and details of up to 100 transactions at a time.
Note: Third-party vendors determine which account details and transactions are displayed for accounts they service.
A transaction can appear on the Account Details page or in the Activity Center, or both, depending on the transaction status and how you created it. You can view transactions and transaction details on the following pages:
All posted and pending transactions in an account, including:
Transaction types will vary depending on your configuration. Transaction types that you create in online and mobile banking may include:
To view account details
To view account details using enhanced Quick Actions
To view additional transactions
Note: You will only see the next and previous icons if there are more than 100 transactions related to the account you are viewing.
To view transaction details
To filter transactions
To close the Account Details page
You can search transactions that pertain to a single account on the Account Details page. Transactions in Account Details may have originated in online banking or mobile banking, or they may be other transactions such as debit card purchases, ATM withdrawals, or transactions performed at a branch.
When searching in Account Details, the search option searches the transaction's description. Therefore, any term that appears in the transaction (such as "Check #2389") can be searched for on the Account Details page. The Activity Center, on the other hand, only contains transactions that were originated in online and mobile banking.
Note: You can use the search box or the search filters separately, but you can't combine search and filtered results.
To search on the Account Details page
On the Account Details page, you can filter transactions. Filtered results are based on the following transaction information:
Filter details - Consumer
Filter details - Business/Corporate
Tip: To reset filters and show all transactions, click or tap Reset.
To hide filters
This section describes frequently asked questions about different products and features in online and mobile banking.
You can view the details of any transaction in an account. Details include the transaction category, online description, statement description, date of the transaction, and transaction type. The transaction details also allow you to categorize transactions, split transaction categories, inquire about a specific transaction, and print detailed information and check images.
Note: The inquire feature is only available to internally-held accounts.
You can use a web browser to connect to the online banking site on a desktop computer or other supported device. It is recommended that you enable pop-up windows in the browser for your online banking site. If they aren't enabled, certain features may appear in separate windows in your browser or may not appear at all.
Tip: For the best experience with online banking on a tablet or smartphone, use the mobile banking app instead of an Internet browser.
Continued use of unsupported browsers represents a security risk for end users. Unsupported browser notification presents targeted advance notice to end users accessing online banking via a browser for which support has been scheduled to end. It facilitates an easy process for installing an up-to-date, secure, and supported browser as a replacement. These three methods will be applied to all future browsers for which support is discontinued:
Moving forward, browsers will continue to be evaluated. The appropriate date to end support for a particular browser will be based on several factors:
While viewing the details of a transaction, you can send a secure message to our financial institution about the transaction.
Note: Secure messaging is only available for internally-held accounts.
To send a secure message about a transaction
Note: The Conversations menu option may appear as Messages, depending on your configuration.
You can view accounts and print information about accounts on the Accounts Overview page. Depending on the configuration, the printed page includes the account name, balance, and other details. It will not print ads, menu options, or the summary graph.
On the Account Details page, printing an individual transaction that displays an image icon () will include any attached images, such as processed checks, on the printout.
Note: You can only print from a desktop, not from a tablet or smartphone.
To view and print the Account Details page
To view and print the images associated with a transaction
Note: For the best results, use the provided print option. Using the browser's print function instead of the provided print option will cause suboptimal print results.
Depending on your FI's configuration, you may be able to initiate a transaction dispute on the Account Details page. You can initiate the dispute process if:
Note: Disputed transactions are marked with a red flag icon ().
To dispute a transaction
Logging off online and mobile banking is an important part of keeping your financial information secure. You can log off voluntarily when you finish using online and mobile banking. In addition, online and mobile banking can log you off involuntarily after a certain amount of time elapses.
Note: By default, the session will also automatically timeout and close after 10 minutes of inactivity. The exact time may vary depending on your FI.
If you navigate from online banking to another site and do not close the browser, you may remain logged in until the session ends. This can make it possible for someone else to access data from your previous online banking session. The session ends when you log off, close your browser, or close the mobile banking app.
Caution: To maximize the security of your online information, you should always log off to end your online banking session.
You can select up to six fields to control which data appears in the Activity Center for each transaction type. For example, a user responsible for reviewing wire transactions can select Message to Beneficiary and Beneficiary Bank as two columns of data that will appear, and then save the custom view as a Favorite for later use.
The Activity Center – Custom View
To create a custom view in the Activity Center
Note: After six columns are selected, you must clear a selected check box before selecting a new check box.
When you search, you enter terms to locate specific account information. Some examples of things that you can search for include:
When you perform a transaction search, you can search for any of the following fields by typing keywords or using the Filters option:
Tip: Click or tap Filters to see the full list of fields you can use to better define your search.
In the Activity Center, you can choose to sort transactions by the column headings.
To sort transactions
Tip: Click the column heading again to change the sort order between ascending and descending.
A transaction can appear on the Account Details page or the Activity Center page, or both, depending on the transaction status and how you created it. You can view transactions and transaction details on the following pages:
Transactions will vary depending on your configuration. Transactions that you create in online and mobile banking may include:
On the Activity Center page, the details that appear when you expand a transaction to display its details may vary depending on the type of transaction and may include:
A unique internal number that identifies the transaction.
The date that the transaction was created.
The Login ID of the user who created the transaction.
Will process on
The date that the transaction will be processed.
The amount of the transaction.
A short description of the transaction.
The details can also include other information specific to the Transaction Type.
Use the Activity Center to cancel a pending transaction. If you cancel a transaction on the Recurring Transactions tab, you cancel all future recurrences of the transaction. If you cancel a single transaction in a recurring series on the Single Transactions tab, you cancel the single occurrence, not the entire series.
To cancel one or more pending transactions
When you log in to online and mobile banking, enter the following when prompted:
If you enter an incorrect password too many times, your account will be temporarily suspended, and you will not be able to log in. If your login ID is blocked, contact your FI to unblock your login ID.
When creating a password, see Password tips and recommendations for more tips.
Note: If you try to log in without a recommended Internet browser, you will be directed to a website where you can download a supported browser. Contact your FI to learn more about the latest browser requirements.
If you have never used a particular browser or device to log in, you may need to request a secure access code (SAC) to use it. If the Internet browser or device is one that you plan to use again, you can register it. By registering a browser or a device, you confirm that it is under your control and that you intend to use it to access online banking or mobile banking.
If the secure access code contact methods (that is, the email address and phone number where the secure access code can be sent) that are available to choose from are not correct or accessible from your location, please contact your FI.
If you need to copy a transaction, use the Activity Center to copy an existing transaction.
To copy a transaction
You can use the Activity Center to send a message about a transaction.
To send a message about a transaction
Note: The message automatically includes information to identify the transaction. You do not need to add transaction details to the message.
Note: Click or tap Supported Attachments to see the supported file types of documents you can attach.
If you forget your password and your account is not locked, you can use the Forgot Your Password option on the Login page to reset your password. Depending on the configuration, you may not be able to reset your password from an unregistered browser.
To reset a forgotten password
Note: If the Remember Me check box is selected, it blocks you from entering a different login ID.
Note: If you close out of a session after receiving a secure access code, but before you enter it in the application, and then open it within a very short time frame, click or tap I already have a Secure Access Code.
In online banking, you can print transaction details in the Activity Center.
To print from the Activity Center
You can export transactions by Transaction Type in the Activity Center to a file format that you select. Export formats will vary depending on the settings.
Note: You can only export data in online banking, but not in mobile banking.
To export by Transaction Type in the Activity Center
When you log in, the Home page appears. On any device, the Home page includes the navigation menu, the Account Overview, and the Sidebar.
You can view the Home page at any time.
To view the Home page
The Home page includes some or all of the following:
Note: The names of menu items, buttons, fields, and pages may vary or may not be available, depending on the configuration.
Note: The Account Summary graph is only available on desktop and tablet due to mobile space restrictions and graph dimensions.
The Manual accounts feature within CPFM (Contextual Personal Financial Management) allows you to add additional accounts and assets to your banking Home page. You can manually add accounts to help build a complete picture of your financial portfolio in a single, convenient location. This feature is especially helpful if you would like your Net Worth widget within CPFM to include other assets, such as your house or car.
To add an account do the following:
Add a Manual account tile
Note: The fields displayed are dependent on the type of account you would like to add. For instance, if you select Loan under Account Type, fields such as Financial Institution, APR etc., will populate.
Linking accounts held at external financial institutions (FIs) allows you to manage your finances by seeing balances and transactions all in one place, on any device. Link your credit cards, loans, checking, and savings accounts from other FIs one time. PFM updates data regularly so you always see accurate balances and recent transactions.
To link an account
Tip: The time needed to aggregate accounts depends on many factors, including the external FI, number of accounts, and server speed. Click Link More Accounts to aggregate more accounts from another FI. Click Close to return to the Home page where the aggregation status appears, along with any prompts for details such as account credentials.
Note: Do not confuse linked accounts with external transfer accounts. In online banking, you can only display data about linked accounts. For external transfer accounts managed on the Add External Accounts page, you can transfer funds between accounts at your primary financial institution and external accounts after two micro deposits are made to ensure your ownership of the account, as well as our financial institution's ability to move money to or from it.
After you link accounts, they appear in a Linked Accounts group on the Home page, providing a full financial picture. You can reorder and group accounts, as necessary.
Before you can use the PFM feature, you must first enroll in PFM.
To enroll in PFM
Note: You only need to enroll in the PFM service once.
When you add a linked account in online banking, you have the option to select Visible or Hidden.
If you select Visible, the account appears on the Home page and you can access the details about it. It also appears on the Account Preferences page and you can edit the nickname, change the order in which the account appears, etc. The account is also aggregated (that is, included) in PFM.
If you select Hidden, the account does not appear on the Home page. It appears in the Hidden section of the Account Preferences page where you can modify its visibility if you change your mind, but you cannot edit the nickname, reorder the account, etc. Also, the account is not aggregated in PFM calculations.
There are many types of online banking accounts, and not all are compatible with common aggregation methods. PFM utilizes multiple aggregation sources and uses an aggregation engine to provide the best possible coverage.
Note: You can only link accounts from domestic, US-based financial institutions.
Account information for linked accounts is view-only. Although you can see balances and transactions and modify categories and descriptions, you cannot create new transactions for linked accounts or transfer funds between linked accounts. Instead, use the Services > External Account menu option to set up transfers to and from an external account.
Note: The External Account menu option may be in a different location within the navigation menu, depending on our financial institution's configuration.
You can use PFM to view all of your accounts in one place so you can manage your spending and debts, calculate your net worth, and see spending trends over specific time periods. Several links appear at the top of the Home page, such as Net Worth and Budget. You can click those links to display visual representation of your financial data, known as "widgets."
Each widget is interactive and displays different information:
Editing your Goal-based savings account details allows you to change the amount you would like to save, the financial target date you want to reach your goal by, and the goal name.
To edit your Goal-based savings account:
To close a Goal-based savings account:
Tip: If you have reached the financial target specified at the creation of the goal, a Close goal button will appear at the top of the Goals detail page. Otherwise, this button is located at the bottom of the screen.
If your account balance was above $0 at the closing of your account, you will see an account selection dropdown on the confirmation page. Select the account you want to deposit your funds to and select continue. A success confirmation screen will appear and you will have the option to create a new goal or select not now to be routed back to the home page.
Note: If the balance in your goal-based savings account was $0 prior to closing your account, you will receive a confirmation page at this time. Your account will be closed and all recurring transfers to your account will be canceled.
After you enroll in Bill Pay, you can use Quick Actions to pay a bill to an existing payee.
Note: If Enroll in Bill Pay appears in the Quick Actions, you have not yet enrolled. You can click or tap Enroll in Bill Pay to enroll. The procedure to enroll in Bill Pay varies according to your settings.
See Enrolling in Bill Pay and Adding a payee for information.
To pay a bill using Quick Actions
To edit your existing Manual account, navigate to the Home page and follow the steps below:
Accessing Vertical Menu
To delete your existing Manual account follow the steps below:
The Activity Center displays details for recent transactions. You can sort, search, filter, and manage transactions on this page. In the Activity Center, all scheduled recurring transactions appear on the Recurring Transactions tab. You can use the Recurring Transactions tab to view or cancel the recurring series. You can also see checks that have been deposited on the Deposited Checks tab.
The Activity Center
You can customize the transaction details that appear in the Activity Center by selecting up to six fields. Options vary by transaction type, but may include:
You can utilize these fields to approve or cancel transactions, as well as export or print the filtered data.
The Single Transactions tab includes transactions that do not recur and any recurring transaction due in the next seven calendar days. You can use the Single Transactions tab to view or cancel a specific transaction in a recurring series.
When you have pending approvals waiting, the number of pending approvals appears on the tabs.
Tip: You can also view transaction details on the page where you created the transaction.
You can select individual check boxes to view the total debits and credits of the selected transactions. For international wires, the debit total displays the USD equivalent.
Furthermore, click or tap an individual transaction to expand the transaction details. Depending on your FI's configurations and the transaction type, transaction details in the Activity Center may include the following:
Use online and mobile banking to locate a branch or an ATM or to view news or rates from your FI. This section includes information and detailed instructions for finding locations and viewing news.
In online and mobile banking, you can perform Quick Actions directly from the Home page. Quick Actions are an easy way to start common tasks. All of the Quick Actions that you can perform appear in the Sidebar. The available actions vary, depending on how your account is configured.
You can use Quick Actions to transfer funds.
To transfer funds using Quick Actions
Note: Depending on the frequency you select, there will be more options such as Day of the week, Start Date, and Repeat Duration.
Note: The date selected is the date you want the transfer to be processed, not the date the funds will become available. If you select today's date for an external transfer to another FI, your FI may charge an additional processing fee.
Additionally, depending on your FI's configuration, Same Day ACH transactions may not be available depending on the day of week or time of day.
To transfer funds using enhanced Quick Actions
Note: Quick Transfer only appears as an option under the account tile if you can withdraw from the account.
Note: You can set up a recurring transfer to start today.
To create a Goal-based savings account:
Note: An error message appears if you do not enter data for all fields.
A success page appears with information on the amount you must save to meet your goal. Amounts can be daily, weekly, or monthly and vary based on the length of your goal. Select Continue to set up a one-time or recurring transfer on the Funds transfer page.
To fund your Goal-based savings account:
Note: If you chose the weekly or bi-weekly frequency, you have the option to determine the day of the week on which you want to transfer the specified amount.
Note: You can opt out of funding your Goal-based savings account by selecting Maybe later at the bottom of the Funds transfer page.
A Transaction success page appears with information on the transaction number and processing date. Select Close to exit, or you can select Make another transfer if you want to make an additional transfer to the Goal-based savings account. You can fund your Goal-based savings account from the main funds transfer page at any time.
If configured by your FI, you can use a tablet or smartphone to deposit a check into your account.
Note: If you need to deposit a check using a scanner, please contact our financial institution for more information.
To deposit a check using Quick Actions
Tip: If the image of the check is blurry, you can tap Retake Front or Retake Back to take a new picture.
Note: You may need to enroll in mobile remote deposit capture (mRDC) before you can deposit checks on a smartphone or tablet, depending on our financial institution's configuration.
You can use online and mobile banking to transfer funds, view, edit, and cancel transfers.
When you pay a bill, you select a payee for the payment. You must add a payee in one of the following before you can send the payee a payment:
Tip: You can also use the Bill Pay site to edit and delete payees.
You can use the Bill Pay page to edit an existing bill payment payee.
To edit a bill payment payee
Note: Some payees and their fields cannot be edited if they are established vendors with information that is on file with the Bill Pay site.
This section includes details about messages and alerts. It also includes detailed instructions to help you create, read, and delete messages and alerts. You can use messages to communicate securely with our financial institution. Alerts can notify you when important events happen in your accounts.
You can see electronic versions of your account statements called e-statements. Ways to view an e-statement may vary according to your settings. For example, in online banking, the Statements page may open in a new browser tab or window. You should disable any pop-up blockers for the online banking site.
To view e-statements
Note: After choosing an account, you may see a message asking you to opt in to view a statement. Click or tap Visit Statement Preferences to change settings.
You can delete a bill payment payee that you no longer need.
Note: Depending on the configuration of your account, Delete may not appear.
To delete a bill payment payee
You can use Quick Actions to approve a payment or a transfer. If Quick Actions include pending approvals, the list contains the total number of pending approvals and the number of approvals of each Transaction Type.
To approve a transaction using Quick Actions
Note: The show advanced toggle must be on to approve multiple transactions. In mobile banking, a two-gear icon () represents the advanced view, while a single-gear icon () represents the basic view.
You can use the Bill Pay page to configure the accounts that appear when you pay a bill.
Note: Your account may use the Bill Pay site to manage Bill Pay accounts. Click or tap Options > Visit Bill Pay Site to manage your accounts.
See Paying a bill for more information.
To manage Bill Pay accounts
Note: You cannot remove the account that you selected when you enrolled in Bill Pay.
On the Bill Pay page, payees appear as items in a list on the Pay Bills tab. Clicking or tapping on the payee opens a page where you can submit a payment or manage the payee.
Bill Pay payee card
Bill Pay submit payment page
The Payment Activity tab includes the payment date, bill status, payee, payment account, and amount. Clicking or tapping on the payment displays more information, including a confirmation number and a payee account number.
Note: You can click or tap Options > Visit Bill Pay Site on the Bill Pay page for additional bill payment options. Contact our financial institution for more information.
You can use Bill Pay to make payments to multiple payees in a single workflow using a desktop browser rather than selecting one payee at a time.
To make payments to multiple payees
You can use the options () button for a payee in the Bill Pay page to view bill payments you have sent to that payee.
To view bill payments to a payee
If supported by your FI, you can make an online payment with eBills. eBills are an electronic version of a bill you receive directly within Bill Pay, which you can view and pay immediately. They look exactly like paper statements, and the only difference is they are conveniently delivered to your online account within Bill Pay instead of your home mailbox.
This section describes how to enroll in eBills and how to manage them. You can configure automatic payments, view past eBills, and print eBills.
To access payees that support eBills, click Transactions > Bill Pay to open the Pay Bills page. Payees that support eBills include an "Ebill eligible" label on their tiles.
Note: The menu path may vary, depending on how online banking is configured for your FI. For example, the Bill Pay option may appear under Services.
If you are enrolled in eBills, you will have the Manage eBills option in the navigation menu.
Payees configured for eBills that have payments due have one of the following labels:
Tip: eBills contain the same information as paper bills, After you begin receiving eBills, ask payees to turn off your paper bill to streamline your bill paying routine.
You can use the Pay Bills page to select a payee and pay a bill.
To pay a bill
Note: The Bill Pay workflow may differ depending on the processing model your FI offers. An alternate configuration will change which columns are displayed and how you select the date.
You can search for a pending or completed bill payment on the Payment Activity tab of the Bill Pay page.
To search for a bill payment
You can use the Payment Activity tab of the Bill Pay page to cancel a pending bill payment that you created.
To cancel a bill payment
You can configure your settings in online and mobile banking. This section includes background information about the settings that you can configure. It also includes detailed instructions for updating profiles, selecting themes, configuring text banking, and managing other settings.
On the Add External Account page, you can enter information that is used to add an external transfer account.
Note: To remove an external transfer account, contact our financial institution.
To add an external transfer account
The Account Verification page lists the external transfer accounts that you have requested, along with the status of the link.
To verify an external transfer account
Transfer funds to someone else who has an account at the same institution by entering the recipient's account information and last name. This feature may not be available, depending on your FI's configuration.
Account to Account Transfer page
Note: The term Account to Account may also be referred to as Person to Person or Member to Member.
To make a single transfer
Link another person’s account to your own to make repeated or future-dated deposits to that account. The recipient must have an account with the financial institution.
To link an internally-held account
You can use the Activity Center to approve a pending transaction or multiple transactions at once.
To approve one or more transactions
Tip: You can set up a mobile authorization code (MAC) to approve transactions with a telephone call. See Mobile authorization code overview for more information.
You can send a paper check to a single payee that you specify. When you send a check, the payee information that you enter is not saved to reuse later.
To send a check to a payee
You can view check deposits in the Check Deposit History on the Home page. You can also view check deposits on the Deposit Check page in mobile banking. The lists include checks that you used mobile banking to deposit, grouped by status. The check status is one of the following:
You can view check deposits in online and mobile banking.
To view a check deposit
You can use the Check Reorder page to repeat your most recent check order. You can only submit a reorder request for one account at a time.
To make changes to the style, layout, delivery method, or the check information, contact our financial institution.
Note: The procedure to reorder checks may vary according to your settings.
To reorder checks
Use a desktop to print the front and back images of a check.
To print a check image on the Deposit Check page
If you want to stop using Touch Authentication to log in, you may change the Touch Authentication settings. After changing the settings, you can use a login ID and password to access the site.
The mobile login screen offers all login methods supported by your FI. The last method you used is the one you will be prompted to use again the next time you log in. However, other options are always available on the login page, so you can switch between login methods at any time.
To disable Touch Authentication
If you enter an incorrect password too many times, your account will be temporarily suspended, and you will not be able to log in. If your login ID is blocked, contact Premier America to unblock your login ID.
Note: If you try to log in without a recommended Internet browser, you will be directed to a website where you can download a supported browser. Contact Premier America to learn more about the latest browser requirements.
If the secure access code contact methods (that is, the email address and phone number where the secure access code can be sent) that are available to choose from are not correct or accessible from your location, please contact Premier America.
The login process has just a few steps including:
Note: If you do not already have a login ID, contact Premier America obtain one.
This section does not apply for Premier America members.
If your device offers Touch Authentication, you can log in using your mobile device's fingerprint sensor rather than a login ID and password.
If your Apple or Android mobile device has a fingerprint sensor and is operating on a supported OS version, you can log in using your fingerprint. Only one fingerprint can be registered to an account. The encrypted fingerprint is stored on the mobile device only and is not available to any other service providers, including Premier America.
Accounts that include a label () are serviced by a third-party vendor and will open a new window in order to display transaction information. If you configure nicknames for accounts in Settings > Account Preferences, the nicknames appear. You can drill down into any account to see account details, where 100 transactions are displayed per page.
Note: There may be one balance followed by Transactions Pending instead of two balances, depending on the presence of pending transactions on the account.
Note: Some of the Account Details information may vary depending on Premier America 's configuration. Information displayed for externally-serviced accounts is determined by the third-party vendor.
Furthermore, click or tap an individual transaction to expand the transaction details. The Activity Center may include the following:
Note: The date selected is the date you want the transfer to be processed, not the date the funds will become available. If you select today's date for an external transfer to another FI, your FI may charge an additional processing fee.
Additionally, depending on your FI's configuration, Same Day ACH transactions may not be available depending on the day of week or time of day.
The procedure to enroll in Bill Pay may vary, depending on your account configuration.
To enroll in Bill Pay
You can use the Bill Pay page to add a bill payment payee. You must enter details such as contact information and your account number with the payee.
Note: You must enroll in Bill Pay before you can add a payee. Contact our financial institution for information about enrolling.
To add a bill payment payee
Tip: Payment options vary depending on the Payee Type. If you select the Individual Payee Type, you can enter an optional Payment Type and Payee Account #. If you select Company Payee Type, there is no Payment Type, but a Payee Account is required. If you select Email Payee Type, Email Address is required.
You can add accounts that you own at other FIs to your online banking profile and transfer funds externally. These functions depend on our financial institution's settings and may not be available.
There are two types of external accounts: external transfer accounts and linked/aggregated accounts. This section details external transfer accounts. You can make transfers to and from external transfer accounts, but you can only view balances and transactions in linked/aggregated accounts.
When you connect the account, we make two small deposits of random amounts into your account at the other institution. When the deposits are complete, you enter and verify the amounts in either online banking or mobile banking. The deposits verify your ownership of the account and that any future transfers to or from that account will process correctly. The deposits should take fewer than five business days to process.
Note: You can only request external transfer accounts held at domestic (United States and US territories) FIs that use American Bankers Association (ABA) routing numbers.
If configured by your FI, you can deposit a check into your account using your mobile device's camera.
To deposit a check on your mobile device
You can request a stop payment on one or more checks. A stop payment request does not guarantee that the check(s) will be stopped. The item may have already been processed and posted to your account.
Note: Only users with the right to create stop payment requests can initiate them. This is only for paper checks. To stop an automatic withdrawal, contact your FI.
To create a stop payment request
You can view or search for an existing, pending, or processed transfer on the following pages:
Note: The Activity Center page may include additional details about a transfer.
To view a transfer on the Funds Transfer page
To view details of a transfer in the Activity Center
You can edit future-dated single transfers, recurring transfers, or the next scheduled transfer of a recurring series.
Note: Only users with Draft and Cancel rights can edit transfers.
To edit a single transfer
Note: If you have selected a transfer that is part of a recurring series, you can toggle between editing just the next occurrence or the whole series from the notification box located at the top of the screen.
To edit a recurring transfer
Note: Same day ACH fees may apply to external transfers edited on the day they are scheduled to draft.
You can use the Activity Center to cancel transfers. If the status is Drafted of Pending, you can cancel one or more transfers.
Note: Processed transactions cannot be canceled.
To cancel a transfer
Tip: For multiple cancellations, select the check box of at least two transfers that you want to cancel, then click or tap Cancel.
Corporate Users with draft and/or approval rights for account transfers can process multiple transactions at one time. The grouped transfers can have the same or different process dates.
Multi-Account Transfer templates share the same methodology used by standard commercial templates; for example, each template requires a unique name and the creator can specify who else can use them. One difference is that the system assigns a batch ID to each Multi-Account Transfer template so that the transfers can be approved or reviewed together as a batch later.
Multi-Account Transfers can eliminate time spent on manually funding accounts and simplify tracking of transfers and reconciliation through cross-referencing of account numbers on bank statements. This feature is only available in the Corporate product.
Note: The Multi-Account Transfers feature is not available on mobile/handheld devices.
To perform Multi-Account Transfers
Note: To schedule a recurring transaction, click or tap Set Schedule, then select how often the transaction should repeat.
Note: You can click or tap Push to All to apply this note to all transfers.
Free-Form wires allow high volume wire users to quickly generate wire transactions, using one-time recipient entries. This optional feature is only available to users who have access rights enabled.
Use Free-Form wires to create a one-time domestic wire for recipients that are not currently in the system.
Note: Free-Form wire takes the place of the single wire one-time payment workflow, and cannot be accessed by users with Multi-Wire entitlement enabled. It also utilizes RTN look-up, which cannot be disabled.
To create a Free-Form wire, navigate to the Home page. Select Commercial > Payments. Enter information in the following fields:
Note: Maximum character lengths appear in each applicable field. Pre-existing domestic wire limits, entitlements, and required fields limits also apply.
After entering information in the fields above, click or tap Save. Click or tap New Wire on the success over panel to continue creating Free-Form wires.
You may need to verify that you can view PDF files the first time that you want to view an online statement.
If you are not able to view PDF documents, Adobe Reader is available for most operating systems. You can download and install Adobe Reader or a similar program to view PDF documents. Adobe Reader is available from: http://get.adobe.com/reader.
Note: In online banking, the Statements page may open in a new browser tab or window. You should disable any pop-up blockers for the online banking site.
To verify that you can view a PDF
Messages provide a secure way to communicate with your FI and are not used to communicate with any outside party. These messages appear in both online and mobile banking in the Conversations item in the navigation menu.
Note: Conversations may appear as Messages, depending on your FI's configuration. Conversations combine a message and all its replies into a thread.
In online banking, you can attach a file to a message. The available file formats are configured by your FI and will vary. The number of unread messages appears on the Conversations item in the navigation menu.
After you have read the messages in a conversation thread, you can delete the thread and all messages in it. You can delete a single thread, multiple threads, or all threads. Conversation threads stay in the Inbox until you delete them or they expire.
You can create a secure message in online banking or mobile banking.
To create a secure message
Note: File attachments are currently only supported in the desktop application.
You can use the Conversations page to read secure messages in online and mobile banking.
Note: Depending on your FI's configuration, Conversations may use a different label, such as Secure Messaging.
When you have unread messages, the number of unread messages appears on the Conversations item in the menu. In the Inbox, the subject lines of unread messages are bold.
Note: On mobile devices, only the Inbox displays until you select a message to read.
To read a secure message
Tip: You can save important conversations by clicking or tapping a message and then clicking or tapping This message should never expire in the message detail area.
You can use the Conversations page to reply to a secure message in online banking or mobile banking. You cannot reply to some types of messages, such as security alerts.
To reply to a secure message
Use the Conversations page to delete conversation threads in online and mobile banking.
Caution: When you delete a thread, it is permanently deleted. Make sure that you do not need the information in the message before you delete it.
To delete conversations
Alerts remind you of important events, warn you about the status of each of your accounts, and notify you when transactions occur. Some alerts are automatically generated by the system, such as security alerts, but some alerts you can create and customize.
When you create an alert for an account, you specify the conditions that trigger the alert, as well as the way that you want to receive the alert. Alert conditions vary depending on the alert type. Available alert types may vary depending on your configuration.
You do not need to be logged in to receive the alert. Secure messages and email alerts are sent immediately when they are generated. You can receive alerts through:
Tip: You can specify the time to receive alerts in a telephone call or a text message.
When you create an alert, it takes effect immediately and stays in effect until you disable or delete it. You can set an alert to occur immediately. Alert types may vary according to your settings and may include:
Tip: You can set up a mobile authorization code (MAC) to approve transactions with a telephone call. Use this option to receive notifications when transactions are drafted. See Mobile authorization code overview for more information.
Delivery methods may include:
If you miss an alert delivered by email, you may need to change settings or double-check the Messages inbox. If you don't see an email alert, check your junk email folder. If your alert was delivered there, configure your mail settings to allow messages from our email address.
Tip: If you miss an alert that you configured to be delivered via phone, our alert system will leave a voicemail message. If you did not receive a phone call, check your message mailbox under the Messages menu to confirm receipt. If there is no alert in the secure mailbox, confirm that the alert is enabled.
To create an alert
Note: When you select Every Occurrence, a Transaction alert is sent every time the conditions match.
Note: The Save button remains inactive until all required information is entered.
You can use the Alerts page to edit an existing alert. Any changes take effect immediately.
To edit an alert
You can use the Alerts page to temporarily disable an existing alert and later enable it again.
To enable or disable an existing alert
Tip: You can hide Alert details, such as the description and frequency, by clicking or tapping the show/hide icons ()().
You can use the Alerts page to delete an alert that you no longer need. Deleting an alert removes it immediately and permanently.
To delete an alert
Security alerts inform you when a security-related event occurs. Some security alerts are required. In the list of security alerts, required alerts are dimmed. You can enable or disable optional security alerts. The available security alert types vary, depending on your account type.
When an enabled alert is triggered, we send a security alert message. Security alerts are always sent as secure messages, but you can add additional delivery methods. When a security alert is triggered, the alert is sent to all the configured delivery methods.
Note: Some alerts may be dimmed, depending on your FI's configurations. Dimmed alerts cannot be edited.
Caution: Always use a second delivery method along with email for greater security.
Security alerts inform you immediately when a security-related event occurs, such as a failed password attempt. Some security alerts are required. In the list of security alerts, required alerts are dimmed. You can enable or disable optional security alerts. The available security alert types vary, depending on your account type.
Use the Alerts page to configure security alerts. Alert preferences only affect the security alerts.
To enable or disable optional security alerts
To edit security alert delivery preferences
You can view branches and ATMs in a list and on a map on the Branches page. Your location is determined using the built-in location services feature of your Internet browser or mobile device. When you search for a location, your browser or device may ask for permission to access location information. If your location is available, branches or ATMs are sorted by their distance from you. If your location is not available, a default list of branches and ATMs appears.
To find a branch or ATM location
You can view the latest news and rates while managing your financial information.
To view a news item on the News page
To view rates
You can update your contact information in your profile. The information in the profile is used as contact information and to fill out certain forms.
Caution: Updating your online profile does not update the address on file for your account.
Note: We do not use the contact information in the online profile to send you secure access codes to log on or to register a browser. We only send a secure access code to your secure delivery address that you have on file with your FI.
Use the Profile page to update your contact information and other profile settings.
To update your profile
You can use online and mobile banking to request our financial institution to update an address associated with one or more of your accounts. Depending on the number and type of accounts, it may take 24 to 48 hours to make the changes. The request affects the account profile, statement, and other mail and correspondence related to the account.
For your security, we review the change before it takes effect and may need to contact you to verify the change.
Note: This page may not be available depending on the configurations of our financial institution.
You can use the Address Change page to ask us to change your address.
To request an address change
You can use the Text tab on the Account Preferences page to configure text banking preferences. Depending on the configuration, this Text tab may not appear.
To configure text banking preferences for accounts
A theme allows you to make your online and mobile banking experience more personal by selecting a look and feel that appeals to you. Different themes may change the background image, colors, and some fonts, and at times, the placement of some options on the page. You can also change the preferred language in online and mobile banking.
Note: If no alternate themes or languages are available, the theme and language settings will not appear.
To change the selected theme
To change the selected language
Use your password and login ID to log in to online and mobile banking. When needed, you can change them in the security preferences.
If your FI offers the Touch Authentication feature, you can use it to log in using Apple's Touch ID sensor rather than a login ID and password.
See Logging in with Touch Authentication for more information.
You can configure your secure delivery contact information that we use to send secure access codes. We only send secure access codes to a known secure delivery contact.
The system calls the selected telephone number. You answer the phone normally and make a selection to hear the code. If necessary, you can repeat the code. The system does not leave the code on voice mail. If you miss the call, you can request a new code.
The system sends a text message with the code. Standard text messaging fees apply.
The system sends a short email with the code. Depending on the configuration of the filters on your mail server, the message may be in your junk or spam mailbox.
You can change your account password for online and mobile banking. You use the same password for both.
See Password tips and recommendations for more information.
To change your account password
If needed, you can change your Login ID. The same Login ID is used for online and mobile banking.
Tip: If the Change Login ID option does not appear on the Security Preferences page, contact our financial institution to change your Login ID.
To change your Login ID
If your account uses a phishing protection phrase, you can use the Security Preferences page to change the phrase.
To change your phishing protection phrase
Note: The Phishing Phrase page only appears if your account is configured to use a phishing protection phrase.
If your account is configured to use a challenge code, you can configure the code on the Security Preferences page.
Note: Not all accounts are configured to use a challenge code. This option may not appear on the page.
To configure the challenge code
Depending on your Secure Delivery configuration, you can use the Security Preferences page to configure your secure delivery contact information. You can also delete a contact.
Caution: Deleting a contact is permanent.
To add a new secure delivery contact
Note: Some options may vary, depending on our financial institution's configuration. Contact your FI for more information.
To edit a secure delivery contact
To delete a secure delivery contact
Caution: You must have at least one form of contact. If you attempt to delete your only form of contact, an error message appears.
You can use text banking to send text (SMS) messages from your mobile phone, or another supported device, to get account information or to perform transfers. If needed, you can update your text banking number or disable text banking.
Before you can use text banking, you must do the following:
Use the Text Enrollment page to enroll in text banking. You must agree to terms and conditions to enroll.
To enroll in text banking
To use text banking, you send a text message to 226563 (BANKME) with a command. When the action is complete, the text message reply includes the information or the results of the action.
Note: A signature or any other similar text in a text banking message may cause difficulties processing text banking commands. You should disable the signature when you send a text banking command.
Caution: When you send or receive a text banking message, normal text message and data rates apply.
The commands will vary according to your settings. Commands may include:
Displays the current account balance for all enabled accounts.
Disables text banking. You can also use the settings in online and mobile banking to enable and disable text banking.
Note: Account nicknames are set up on the Account preferences page. See Configuring account preferences for more information.
You can use the Text Enrollment page to update your text number or disable text banking.
To update the text banking number
To disable text banking
You can use a mobile authorization code (MAC) to approve a Business or Corporate transaction in a telephone call. We can send authorization requests to you at an email address, a telephone number, or both.
When a user creates a new payment that requires approval, the user can notify valid approvers. If your rights permit you to approve the draft and you configure a MAC, we contact you at the address that you specify for approval.
If your account uses a mobile authorization code, you can use the Mobile Authorizations page to configure your code.
Note: You must have the transaction enabled in Settings > Mobile Authorizations and have Approve rights for the transaction. This allows the Approvals Widget to display on the Home page.
To configure a mobile authorization code
You can configure statement delivery options for your accounts or review the e-statement Delivery Agreement on the Statement Delivery page.
Note: E-statement delivery settings can vary.
To configure the statement delivery method
To view the E-Statement Delivery Agreement
A strong password helps you protect your account. To create a strong password, keep the following guidelines in mind:
Remember to avoid the following password pitfalls:
Tip: Go to support.microsoft.com for more information on creating strong passwords. We do not endorse or guarantee the site.
A conventional authentication system relies on two forms of identification to prove your identity: your login ID and your password. Multi-factor authentication uses multiple forms of identification to make it harder for attackers to access your account. The multiple forms of identification can include something that you know, such as a password, and something that only you have.
In online and mobile banking, we can send a secure access code to a contact address that you configure. The code is only valid for a single use and it expires after a short time. You choose one of the following ways to deliver the code:
The system calls the telephone number on file. You answer the phone normally and make a selection to hear the code. If necessary, you can repeat the code. The system does not leave the code on voice mail. If you miss the call, you can request a new code.
Whenever possible, you should configure phone and text delivery methods, and leave email unconfigured. Attackers can use viruses or other malicious activity to compromise your email and view the secure access code. If you do not configure an email address as a Secure Delivery Contact, you can help prevent this type of attack.
If you have never used a particular browser or device to log in, you may need to enter a secure access code to use it. If the browser or device is one that you plan to use again, you can register it. By registering a browser or a device, you confirm that it is under your control and that you intend to use it to access in online banking or mobile banking.
Tip: Multiple users can register the same browser or device.
You will need to register your browser or device again in the following circumstances:
Caution: Only register a browser or device if it is under your control. Do not register a browser on a public computer.
This section includes questions about getting started with online and mobile banking, including questions about logging in for the first time.
You must have access to at least one of the listed contacts to log in for the first time or register a browser device. If you need immediate access, contact your FI. After you verify your identity, your FI can add a new contact method.
There are several possible reasons that you may need to register a browser or device again, including:
On a computer browser, you delete all Internet browser cookies or the browser cookies for online banking. See your browser help for information about deleting cookies.
On a tablet or smartphone, the registration information is automatically deleted when you delete the mobile banking app.
This section includes frequently asked questions about using messages and alerts.
Yes, the transport of your message is secure sockets layer (SSL)-encrypted and is never sent through public, unsecured communication channels like email communication.
Secure message and email alerts are sent when transaction processing completes. Phone and text message alerts are sent at the next available time you specified for the alert.
In most cases, yes.
If you miss an alert via phone call, the alert system leaves a message on voice mail.
For email alerts, check your junk mail or spam folder for the alert. If the alert is in the junk mail folder, configure your junk mail settings to allow email from us so you do not miss future alerts.
If you believe you did not receive an alert phone call or email, click or tap Conversations in the menu to check for the alert. If the alert does not appear in the Inbox, confirm that the alert is enabled in the Alerts page. If the alert is enabled and you still believe you did not receive an alert, contact our financial institution for assistance.
Note: Email, phone, and text message alerts are a convenience, and should not be used to manage critical account details or appointments. Due to the nature of the email, phone, and text message networks, these networks cannot be 100 percent reliable delivery channels. Secure messages within our system are very reliable, since they are contained entirely within the banking system.
Yes, security alerts are event driven and are sent in real time.
This section includes frequently asked questions about your accounts in online and mobile banking.
The file type is not properly associated with the application. The easiest way to create the association is to save the download file to your desktop the first time, right-click the file and click Open with. In the Open With dialog, select Quicken or QuickBooks. The next time you download your history, the program should launch automatically. For more information, check the documentation for your desktop computer.
Yes, if your rights permit you to see the activity of the other users instead of just your own.
The Tracking ID is a unique identifier for each transaction that you create in online and mobile banking. It is a reliable way to reference a transaction. Tracking IDs appear in the transaction details on the Activity Center page. When you use secure messages to inquire about an account or a transaction, the message automatically includes the tracking ID.
The Activity Center page contains all transactions initiated in online and mobile banking including checks deposited through mobile RDC. It does not include transactions that you make by other means, such as ATM or debit card transactions. The Activity Center page also shows the status of each electronic transaction as it moves from a drafted status to approved, then processed.
The Account Details page is a record of processed and cleared transactions against your account from all sources. The Account Details page does not include transactions that have been drafted, approved, or canceled in online banking or mobile banking, only those that have already cleared or that will clear your account the next processing day.
Certain account types do not support e-statements.
Ensure that you allow pop-ups for the online banking site in your browser settings. If you encounter problems loading the page, it is likely that the pop-up box is being blocked by a pop-up blocker or a toolbar pop-up blocker. You can disable the pop-up blocker in your browser's settings or add the online banking site as an allowed site.
If you are on a public computer, you may wish to view images. PDF documents are often cached by the browser and stored in a temporary files folder. If you select PDF on a public computer, you should delete the cache files and other temporary files after you log off to ensure your security.
This section includes frequently asked questions about creating, managing, and viewing transactions.
Your account is debited when an electronic payment is processed. If the payment is mailed, the account is debited on a day before the date you selected.
You should plan the same amount of time you would if you were mailing a check.
You can enter N/A or Not Applicable in the Account Number field, but this may make the posting of your payment more difficult for the recipient.
If you create a future-dated check, the check will be processed on the Processing Date. The date that the check arrives at your recipient’s address is dependent on the US mail system.
No. The description helps you to identify the transaction in online and mobile banking. The description is not printed on the check.
This section includes frequently asked questions about Business and Corporate accounts.
You can use a payment to send a pre‑note to an account. To send a pre-note to a newly established recipient, send a zero dollar ACH transaction to the recipient account. The pre-note confirms the validity of a routing number and account at the receiving financial institution, without any movement of funds taking place.
You can import NACHA-formatted files in ACH Payments or ACH Collections, and Payroll payments, but those files may only contain one batch each. In addition, those payments can only support PPD and CCD Standard Entry Class (SEC) codes. The ACH PassThru feature allows you to create files with multiple batches and with other SEC codes. In addition, unlike other ACH payments, the ACH PassThru feature performs minimal validations before passing the file to us.
By default, we do not support all SEC codes. If you encounter unsupported SEC codes that you need to submit, please contact our financial institution during regular business hours.
Because there may be multiple effective dates in the file, you enter the date on which you want the file to be processed. On the date that you specify, we process the transactions according to the effective date or dates in the file.
You may need to use an intermediary financial institution if the financial institution for the beneficiary is not a direct Fedwire participant and cannot receive a wire transfer via the Fedwire system.
There is no registration requirement on our system. To make federal and/or state tax payments, you should register or enroll in the Electronic Funds Transfer (EFT) program for each tax authority that you want to pay. Payment via our online banking system does not enroll you with the federal or state agency. Some agencies will not accept electronic tax payments from unregistered parties.
When you create a user, you must set the account rights, transaction rights, and limits for the user. Depending on your settings (for dual approval of non-financial transactions), a CSR or different user may need to initiate final approval for activation.
No, it only removes their access and rights to the online banking system. All payments and templates that the user created remain, as do references to their online activity.
No, for security purposes you can only add or remove users and edit user rights. Users can change their own profile information, login ID, and password if they need to do so.
We are committed to helping you get the most out of your digital banking experience. In addition to an enhanced responsive look and feel, the new release includes updated features and functionality across Consumer, Business, Corporate Lite and Corporate.
Edit transfers simplifies the process of modifying the most frequently used transactions in online banking—funds transfers. You will now be able to edit single and recurring transfers if both of the following are true:
Previously, to modify a transfer you had to copy the existing transaction, make changes, and then cancel the previous transaction to accomplish this goal. With the Edit transfers enhancement, you can edit internal and external transfers for future-dated, one-time transfers, single instances of a recurring transfer, as well as the master of a recurring series. The internal transfers edit function also supports loan payments made on the standard Funds Transfer page.
For individual transfers, the following can be changed. All the transfer’s current information is pre-populated on the screen as a starting point.
For recurring transfers, the following can be changed. All the transfer series’ current information is pre-populated on the screen as a starting point.
Note: Currently, funds transfers are the only type of generated transactions that can be edited. Other types of transactions, including ACH and Wire transactions, do not support this edit workflow.
Enhancements to frequency and start date are also included. You can now select any start date from the current date forward; the system will determine the next available transfer date that matches the user’s specified criteria and generate the first transaction of the series accordingly.
Note: One-time transfer will still present a restricted calendar that prevents you from selecting a date which is not supported.
To support the decoupling of start date and frequency, a day of the week selection has been added when "Weekly" or "Every other week" options are chosen. "Forever (until I cancel)" is the first option presented and is set as the default when any frequency other than one-time is selected.
Routing Transit Number (RTN) lookup is a unique feature available to Corporate Lite and Corporate banking customers.
This feature is accessible on the Recipient Account page(s), as well as Free-Form Wire pages. RTN lookup allows you to search by FI name or FI routing number and includes support for partial entry. When you select an FI from the search results, RTN lookup will populate the Recipient Account record with the appropriate FI Name and Routing Number.
4.4.0 RTN lookup enhancements:
This release includes a complete redesign of the commercial payments and recipients functions. The payment workflow is now more efficient with the replacement of the multi-part workflow with a consolidated payment, template, and recipient workflow. Enhancements such as a list-based design allow you to move through the workflow faster and more intuitively. This redesigned workflow will be available if you have Business, Corporate Lite, and Corporate rights enabled. Updates include:
Recipients management changes
File mapper is a mapping tool for uploading files that allows you to define the order of data using a predefined list of column headers, to more quickly create and submit ACH one-time-payments. File Mapper is only available to users with Corporate rights enabled. The mapper provides a versatile and flexible mechanism for them to quickly create payment data and execute transactions. Importing files to conduct your core job responsibilities greatly reduces the amount of data copying required.
The tool also provides versatility, allowing you to define the best approach for conducting business within pre-determined parameters. Additionally, flat files such as CSV (comma-separated values) and text documents are employed by many different applications and are often used as an exchange format between dissimilar programs. File mapping provides a mechanism to easily absorb these files across third-party systems without the need to directly integrate.
File mapper takes the place of the Payment from file workflow for ACH one-time-payments affecting transaction types ACH Batch, ACH Collections & Payroll for up to 500 recipients. The only file formats, that can be handled are Delimited and Excel.
You can map files with any number of columns. Files should have a minimum of two columns. New mappings can be saved for one time use and can also be saved as a private or shared file. If a mapped file is saved as a shared file, it will be available to anyone assigned the same user role.
Goal-based savings accounts help you establish financial goals, fund them on a one-time or ongoing basis, track progress, and transfer funds out to be utilized for your goal. Funds are protected in a dedicated account promoting saving success—all within digital banking. Features include:
You can add, edit or delete Manual accounts on your Home page.