Tutorials

Introducing... Online Banking A simple… convenient… and easy way to manage your finances… virtually anywhere, at any time. From the moment you log in… you'll discover a refreshingly simple way… to quickly manage your accounts in real-time. And it all begins with your Home page. Right away… you’ll get a quick snap-shot of your accounts. You can make quick transfers… and easily review an accounts recent activity. And if you’re in a hurry to pay a bill… it just takes a few seconds. You can even securely send money to other people… using nothing more than their name… and a mobile phone number. How’s that for simple! The Accounts Tab… Offers detailed information for the selected account. Just select another account to change it. Details… displays the accounts transaction activity. including its scheduled… pending… and posted items. You can use this account to create transfers… categorize it’s transactions… download the information… and… request stop payments on checks. The Transfer Tab… is your Transfer Center. And offers powerful tools for controlling your movement of money. Quickly create new transfers… and review a list of scheduled transfers. The Payment Center... helps make managing your bills a breeze. In fact, take advantage of our auto-pay feature… and we’ll take care of it automatically! Want to know if your account balance drops below a certain amount? Alerts are a great way to stay informed when certain events happen. And If you a question... send us a secure email. Or use our online chat... to get quick answers. Profile… is where you manage personal information. like passwords. and the devices you use for mobile banking. Finally… Log Out… securely ends your session. We recommend logging out each time you end your session. Online Banking It’s a refreshingly simple approach. The information you need… when you need it.

Introducing... Mobile Banking Simple yet powerful tools for staying connected to your accounts... wherever you go. Want to check a balance? Just tap to see it instantly. Or use your iPhone's Touch ID... to log in with your fingerprint. Then quickly glance over your balances. Review transactions. And if you'd like to make a transfer... just tell us how much. Need to pay a bill? It only takes a few seconds. And depositing a check is as easy as snapping a couple photos. And if your phone is ever lost or stolen... All of these powerful tools are safely locked behind strong multi-layer security. There's never been a better time to get started. Just search for us on your phones app store. It's simple... yet powerful account management for your finances. Wherever you are... whenever you need it.

Since 1933 the FDIC seal at banks and financial institutions... has signified trust and stability to millions of americans. FDIC deposit insurance is backed by the full faith and credit of the United States government. Since the FDICs inception... no depositor has ever lost a penny of FDIC insured deposits. FDIC Deposit insurance enables consumers to confidently deposit their money... at FDIC insured banks across the United States. And in the unlikely event of a bank failure... guarantees they can get their insured deposits back promptly. These deposits and official items qualify for deposit insurance coverage, at an FDIC insured bank. However, some investments are not insured... even if they were purchased at an FDIC insured bank. The insurance coverage limit is 250,000 dollars per depositor... per ownership category, per FDIC insured bank. It's important to note that all the deposits that the depositor has... in the same ownership category at the same bank... are added together and insured... up to the standard maximum deposit insurance amount for that category. Owners of accounts in different ownership categories... may qualify for more than 250,000 dollars in protection. To insure that consumers understand how deposit insurance works... the FDIC provides many resources... including access to deposit insurance experts... to address your unique situation. To determine coverage limits... the FDIC insures accounts based on their ownership category. A single account is an account owned by one person with no beneficiaries. All single accounts at the same bank are added together... and insured up to 250,000 dollars. A joint account is a deposit account owned by two or more people with no beneficiaries. each co-owners share of all joint accounts at the same insured bank are added together... and insured up to 250,000 dollars. Self directed retirement accounts are insured under the Certain Retirement Accounts ownership category. If an individual has more than one eligible self directed retirement account at the same bank... the FDIC adds up the deposits held in each account... and insures the total amount up to 250,000 dollars. revocable trust accounts and irrevocable trust accounts... are two distinct ownership categories that involve deposits that name beneficiaries. These accounts must meet specific requirements for the owner to qualify... for per beneficiary deposit insurance coverage. Specific coverage amounts depend on the type of trust... and the number of beneficiaries named by the owner. Business, employee benefit plan... and government accounts also qualify for FDIC insurance. Understanding how the deposits you keep in a single bank are insured by the FDIC... is as easy as visiting FDIC.gov. At FDIC.gov you can calculate the insurance coverage of your accounts with EDIE... the Electronic Deposit Insurance Estimator. Learn if your bank is FDIC insured... find more detailed deposit insurance information... and access contact information for FDIC assistance. The FDIC is available seven days a week... at 877-ASK-FDIC... that's 877-275-3342.

If you're like most of us... you like helping to protect the environment. You know, things that are green. And having our information available when you need it. With easy access... and our information has to be fully secure. eStatements... well they're everything we like. And they're free. Who doesn't like free. Sometimes called electronic statements... these statements are simply an electronic version of the paper statements you receive through the mail. Only these are delivered online. they're definitely green... helping to reduce paper and green house emissions. They're fast. You'll receive your statements sooner... eliminating delays caused by postal mail delivery. They're simple. Reducing clutter from all those those paper statements laying around. And they're very secure. In fact... because most identity theft occurs through the mail and improperly discarded paper... They're recommended by experts to better protect your information. And they're free. Once enrolled... you'll receive an email message. Notifying you when a new statement is ready. Simply log on and click to view your statement. It really is a better way to receive your monthly statements. eStatements. Everything you like.

The message you are about to see is true. The information provided is to protect the innocent. This is our country. The United States of America. Over 8 million of its citizens will be victims of identity theft this year... resulting in the loss of billions of dollars. That's when we go to work. Our job is to help you prevent identity theft. We carry a badge. Identity theft occurs when someone uses your personal information without your knowledge to commit fraud. While the terms may sound unfamiliar... Phishing, Pharming, Spyware, Dumpster Diving... they are actually techniques used by thieves... to put your identity... and your financial well-being at risk. And their attacks grow more frequent and sophisticated every year. Think of us as your Identity Theft Security Team... and we're here to help. We'll give you the facts about Identity Theft... what to watch for... and how to avoid being a victim. Take a few moments to learn about each of the Identity Theft Danger Zones... and the simple steps you can take to avoid being a victim.

Making a deposit with our mobile app is quick and secure. From Deposit you can deposit your paper checks... as well as the money you receive thru Popmoney. To deposit a check... Begin by endorsing the check you'll be depositing. and include the words For Mobile Deposit Only as well. Then, when ready, select Deposit Check. Choose the account to make your deposit, and enter the amount. Now, take a photo of the front of the check. Photograph the check against a background that gives you strong contrast... and remove any objects that show up in the picture. Also ensure the entire check is visible, in focus and well-lit. If it's clear, accept it. Repeat this process for the back of the check. Once both images have been captured, continue. Review your deposit and if correct, confirm it. That's it. You can check the status of your deposit at anytime. Statuses include pending, failed... and those which have been accepted and have posted to your account. When depositing checks using your smart phone... it's recommended that you write a note on the original document... reminding you that the check has been deposited... then storing the document for a specified period of time. Before safely destroying it.

Introducing... Online Banking A simple… convenient… and easy way to manage your finances… virtually anywhere, at any time. From the moment you log in… you'll discover a refreshingly simple way… to quickly manage your accounts in real-time. And it all begins with your Home page. Right away… you’ll get a quick snap-shot of your accounts. You can make quick transfers… and easily review an accounts recent activity. And if you’re in a hurry to pay a bill… it just takes a few seconds. You can even securely send money to other people… using nothing more than their name… and a mobile phone number. How’s that for simple! The Accounts Tab… Offers detailed information for the selected account. Just select another account to change it. Details… displays the accounts transaction activity. including its scheduled… pending… and posted items. You can use this account to create transfers… View it’s electronic Documents… categorize it’s transactions… download the information… and… request stop payments on checks. The Transfer Tab… is your Transfer Center. And offers powerful tools for controlling your movement of money. Quickly create new transfers… and review a list of scheduled transfers. Bill Pay... helps make managing your bills a breeze. In fact, take advantage of our auto-pay feature… and we’ll take care of it automatically! Want to know if your account balance drops below a certain amount? Alerts are a great way to stay informed when certain events happen. And If you a question... send us a secure email. Or use our online chat... to get quick answers. Profile… is where you manage personal information. like passwords. and the devices you use for mobile banking. Finally… Log Out… securely ends your session. We recommend logging out each time you end your session. Online Banking It’s a refreshingly simple approach. The information you need… when you need it.

Alerts (About)

With our new real-time alerts... you can keep even better track of your money... and spend less time doing it. Simply set up your alerts... and live your life. Want to know if your balance drops? How about when a deposit is made... With our real-time alerts... you'll know the moment it happens... without ever logging in. They're not only convenient... they can also help you spot signs of fraud and identity theft. Plus there's a variety of alerts to choose from. And the notifications you receive are completely up to you. If an alert is triggered... it can be delivered to your mobile phone via text message. your email in box... or inside your online banking. By keeping constant watch over your accounts... every moment of every day... our new alerts offer even stronger security. a new level of convenience... and a new peace of mind.

Alerts (Quick Tour)

When you log in… you'll immediately see if there are any unread alerts in your secure inbox. Selecting Alerts from the menu… displays a quick overview of the alerts you've previously set up. Once added… they'll be included in your list here. They are displayed sorted by category… along with the type of alert… and where it will be delivered. You can edit… or delete your alerts at any time. To make a change… simply update the information. Then save. Alert Options... displays the available options you have for adding alerts, sorted by category. To add a new alert… just select a topic... the type of alert you'd like to add… how you'd like to be contacted... then save. Contact Options… is where you set up your contact information. including your email addresses… and numbers to use when sending text messages. It's also where you add any Do Not Disturb times. Any alerts generated during that time frame, will be held until that period ends. To add a new email address… just enter the address… and save. When you're ready to verify the address… send the activation code. Once received, type in the code… to activate it. Sent Alerts… displays a list of your alerts that have been activated. If any of the alerts you've subscribed to are triggered… they will be shown in the list. Triangles… indicate new… unread alerts. At a glance you'll see the date a notification was sent... the alert type… and a detailed description of why it was triggered. A new alert can be marked as Read… or deleted. Similarly… the entire list can be marked as Read… or deleted.

Introducing the easy... fast... and secure way to pay all your bills in one place. Online Bill Pay It's a great way to manage your payments. You can pay virtually anyone in the United States... From the local bakery... to a fortune 500 company. Even your baby sitter. You can also securely send money to friends and family... with only their email address... or cell phone number. Plus, you can group similar payments... like utilities, cable, and phone... into categories... like household. To help you stay organized. And speaking of organized... If you have multiple checking or savings accounts... at various financial institutions... you can even transfer money between these accounts. So your money is always available... regardless of where you keep it. Select the convenience of eBills. You can choose to receive bills online... rather than through the mail. They're green, convenient, secure... and easy to manage. Set email reminders that can notify you when a bill is ready to be viewed... or when it's due. It's completely up to you. And for your bills that stay the same each month... like your mortgage... car loan... and your cable bill... take advantage of the automatic payment feature... and your bill will be paid each month, automatically. It's like having a personal assistant paying your bills for you. Need to make sure you made a payment? Your bill history is right at your fingertips. You can search for past payments by company... date, and status... the moment you need an answer, wherever you are. And our secure messaging center... helps you get answers to any other question you might have. For instance... How did you pay that so fast? It's very secure. In fact... experts say it's more secure than mailing paper checks. Reducing your risk of fraud and identity theft. So give it a try... and see how much time it saves you.

Managing a business has never been more complex than it is today. But there's some great news. Our tools for online cash management... can help you make all that complexity simple... and easy to manage... to keep you ahead of the game. Welcome to the most advanced... and the most flexible... online cash management system available. Business Online Banking With these powerful tools... you'll save time... improve your cash flow... and streamlined your cash management processes... all in a very secure environment. You have complete access to your account information... including current balances... and detailed transaction histories. Transferring funds between accounts is easier than ever. And... Take advantage of our account alerts... and we'll let you know when certain events take place. For example... if an account balance drops below a specific amount... we'll notify you. In just a matter of moments... you can request a stop payment on a check... easily, quickly and with no hassle at all. Save time... save postage... and save staff hours... by using the bill pay feature for all your payables. The powerful administrative tools... allow you to organize and manage your financial information... in ways that best work for your business. You can even set up multiple levels of users... offering complete control over what information is shared with each employee. Plus... Take advantage of all the flexibility of ACH transactions... and you'll save both time and money... by issuing your payroll electronically... with Direct Deposit. Success is about having the information you need... and the control to manage it... right at your finger tips. Our online cash management tools give you that information... and control... when and where you need it. Enroll today, and discover a new degree of financial control.

Introducing a powerful tool for connecting you to your accounts. Business Mobile Banking. No matter where you are... you can check balances... review transfers and payments... approve transactions... deposit checks... even approve flagged items from your Positive Pay exceptions. In fact... protecting your business against fraud is at its heart. It offers control over large transfers of money. It helps identify suspicious activity. through the use of approvals... it can stop fraudulent transactions before they ever happen. We think you'll find it indispensable. And to get started... Just search for us on your phone’s app store. It's a powerful financial management tool for your business accounts... along with strong fraud prevention. wherever you are, whenever you need it.

Welcome to the most efficient, easiest and fastest way to pay bills. Business Bill Pay With just a few clicks... you can make payments to virtually anyone, anytime. Time is your most valuable asset. And our online system is designed to let you pay your bills in minutes rather than hours. And set-up many of them to be paid automatically. But, saving time isn't the only benefit. You'll also find our system gives you tools to help organize your payables. In the next few minutes... you'll see just how easy it is to pay all your bills and manage your finances using our system. Pay any person or company in the US except court ordered payments and state and federal tax payments. Receive an electronic version of your paper bill and pay online. Link invoice and discount information with your payments. And keep track of it all online. So you'll know exactly which bills you've paid... And which ones are scheduled to be paid. Three levels of authorized users with an approver controlled payment feature... allows you to delegate bill payment responsibilities... while keeping control over the final payment decisions. Our system is very secure... in fact... it's more secure than mailing paper checks. Helping to reduce your risk of fraud and identity theft. Fast. Easy to use. And secure. Take a few minutes to learn how easy it is to pay all your bills online.

If you're like most of us... you like helping to protect the environment. You know, things that are green. And having our information available when you need it. With easy access... and our information has to be fully secure. eStatements... well they're everything we like. And they're free. Who doesn't like free. Sometimes called electronic statements... these statements are simply an electronic version of the paper statements you receive through the mail. Only these are delivered online. they're definitely green... helping to reduce paper and green house emissions. They're fast. You'll receive your statements sooner... eliminating delays caused by postal mail delivery. They're simple. Reducing clutter from all those those paper statements laying around. And they're very secure. In fact... because most identity theft occurs through the mail and improperly discarded paper... They're recommended by experts to better protect your information. And they're free. Once enrolled... you'll receive an email message. Notifying you when a new statement is ready. Simply log on and click to view your statement. It really is a better way to receive your monthly statements. eStatements. Everything you like.

Most company's keep sensitive information in their files... whether it's names, Social Security numbers, credit cards, or other account data that identifies customers or employees. Businesses often need this information to fill orders, meet payroll, or perform other business functions. But if the information falls into the wrong hands... it can lead to fraud or identity theft. The cost of a security breach can be measured in the loss of your customer's trust and perhaps even a lawsuit... which makes safeguarding personal information just plain good business. I'm Pablo Zylberglait, an attorney at the Federal Trade Commission. The FTC thinks protecting personal data is important... we also think this tutorial has some great tips and tools to help you do just that. So let's get started. A sound data security plan is built on five key principles. Take Stock. Know what personal information you have in your files and on your computers. Scale Down. Keep only what you need for your business. Lock It. Protect the information that you keep. Pitch It. Properly dispose of files or data you don't need anymore. And Plan Ahead. Create a plan to respond to security incidents. Let's walk through those five principles so you can see how your company's practices measure up... and where you might want to make some changes. Ready?

Positive Pay is one of the most powerful tools you can use to protect your company against check fraud. The basics of Positive Pay are very simple. When you issue a batch of checks through your accounting program… the date the amount the payee and the account on which the check is drawn. Those records are exported from your accounting program… and imported to the Positive Pay system. As those checks are deposited… we compare the details of the check to the details you provided when it was issued. If discrepancies are found… the check is flagged… and placed in the Positive Pay exceptions list for you to review. You can then determine whether the check should be paid… or rejected. It’s a simple, but powerful way to stop the most common types of check fraud. The ACH Positive Pay functionality… allows you to set up rules to both preauthorize specific ACH transactions… and to monitor for ACH transactions that match specific guidelines. The system will then flag ACH transactions that fall outside these rules. In many companies… ACH transactions involve larger sums than checks. So, this new fraud protection system on your ACH transfers… can make Positive Pay even more valuable to your bottom line.

For businesses that send payments on tight deadlines... wire transfers are a great financial management tool. They can be used to transfer money directly from an account at one financial institution... to an account at another. they're also one of the most secure methods you can use for making or receiving payments. Wires are transferred over secured banking networks. Providing confirmation when payments are sent... and received. You only have to enter your own account... and routing information once. That information can then be stored in a template form... and used to initiate multiple transfers. Wire transfers can be sent immediately or scheduled for a later date. And each transfer takes only a few clicks to complete. Sign-up for this powerful financial tool... and start getting the benefits of easy wire transfers today.

Alerts (About)

With our new real-time alerts... you can keep even better track of your money... and spend less time doing it. Simply set up your alerts... and live your life. Want to know if your balance drops? How about when a deposit is made... With our real-time alerts... you'll know the moment it happens... without ever logging in. They're not only convenient... they can also help you spot signs of fraud and identity theft. Plus there's a variety of alerts to choose from. And the notifications you receive are completely up to you. If an alert is triggered... it can be delivered to your mobile phone via text message. your email in box... or inside your online banking. By keeping constant watch over your accounts... every moment of every day... our new alerts offer even stronger security. a new level of convenience... and a new peace of mind.

Alerts (Quick Tour)

When you log in… you'll immediately see if there are any unread alerts in your secure inbox. Selecting Alerts from the menu… displays a quick overview of the alerts you've previously set up. Once added… they'll be included in your list here. They are displayed sorted by category… along with the type of alert… and where it will be delivered. You can edit… or delete your alerts at any time. To make a change… simply update the information. Then save. Alert Options... displays the available options you have for adding alerts, sorted by category. To add a new alert… just select a topic... the type of alert you'd like to add… how you'd like to be contacted... then save. Contact Options… is where you set up your contact information. including your email addresses… and numbers to use when sending text messages. It's also where you add any Do Not Disturb times. Any alerts generated during that time frame, will be held until that period ends. To add a new email address… just enter the address… and save. When you're ready to verify the address… send the activation code. Once received, type in the code… to activate it. Sent Alerts… displays a list of your alerts that have been activated. If any of the alerts you've subscribed to are triggered… they will be shown in the list. Triangles… indicate new… unread alerts. At a glance you'll see the date a notification was sent... the alert type… and a detailed description of why it was triggered. A new alert can be marked as Read… or deleted. Similarly… the entire list can be marked as Read… or deleted.