ONLINE BANKING USER GUIDE

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Jemima Lang
5 years ago
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2 Hme View List f Accunts & Balances... 5 View Accunt Transactins & Accunt Details... 5 Funds Transfer... 6 See Online Histry & Activity... 7 Submit a Stp Payment... 7 Rerder Checks... 8 Submit a Change f Address... 8 Add External Accunt... 8 Verify External Accunt... 9 View Branch, ATM & Mrtgage Only Lcatins... 9 estatements View estatements & edcs Read, Reply, and Send Secure Messages Settings Change Accunt Nicknames & Display Order Change yur passwrd, lgin ID, r Secure Access Cde Delivery Security Alerts Cash Management Adding, Editing, & Deleting Recipients Creating One-Time ACH Payments, Cllectins, & Payrll Creating a Wire Payment Creating a Payment frm File Creating a Reusable Payment Template Create & Submit State r Federal Tax Payments Manage Cmpany Users Tkens Symantec VIP Access Desktp Symantec VIP Access fr Mbile Symantec VIP Physical Tken Mney Manager Getting Started Accunts Transactins Spending Budgets Trends

3 Debts Net Wrth Navigatin Bar Settings Accunts Add an Accunt Edit an Accunt Delete an Accunt Exclude an Accunt Merging Accunts View Transactin Manage Institutins Linked Accunt Status Transactins Srting and Searching Transactins Categrize Transactins Edit Transactins Split a Transactin Delete a Transactin Exprt t CSV Add a Manual Transactin Pending Transactin Budgets Bubble Budgets List View Add a Budget View/Edit Budget Transactins Trends Net Wrth Debts Gals Bill Pay Adding Payee s Add a Cmpany Payee Add an Individual Payee Add a Bank r Credit Unin Payee Pending Payments View Pending Payments Edit a Pending Payment Cancel a Pending Payment Payment Histry

4 Payment Inquiry Scheduling Payments Cutff & Prcess Times Schedule a One-Time Payment Schedule a Recurring Payment Manage Payees Edit a Payee Delete a Payee Add a Reminder Calendar My Accunt Pay Frm Accunts View & Edit Pay frm Accunts Add Pay Frm Accunts View/Edit Persnal Infrmatin Bill Pay Alerts & Reminders Alerts Reminders ebill Setup ebill ebill Due Trublesht ebill File ebill Schedule ebill AutPay Edit ebill AutPay

5 nline banking user guide Hme View List f Accunts & Balances The Hme page displays a summary f accunts. Yu can click n any accunt t view accunt details, pending and psted transactins, check images, and mre. View Accunt Transactins & Accunt Details The Accunt Details page prvides access t general accunt infrmatin and transactin histry fr yur accunt. Srt the transactins by the date, descriptin, r amunt by clicking n the clumn title. T search: Enter the transactin descriptin in the search windw. Then press the Enter buttn. T filter r narrw dwn the transactins: Click Shw Filters Yu can filter by the time perid, transactin type, minimum amunt, maximum amunt, and/r check number(s). T view a transactin image: Click the plus sign beside the transactin r click the dcument icn ( ) near the amunt. This icn ( ) indicates there is an image assciated with the transactin. T exprt transactin histry: Click an Accunt t see details Click Exprt t exprt the transactin list t Spreadsheet (xls), Spreadsheet (csv), Micrsft OFX (fx), Quicken (qfx), and QuickBks (qb). 5

Services Funds Transfer Funds Transfer allws yu t transfer funds frm City Bank accunt t City Bank accunt r between a City Bank accunt and an accunt at anther financial institutin.

Transfers between yur City Bank accunt and accunts at ther financial institutins must be submitted by 1:00 PM CST n business days fr availability in 1-2 business days.

If yu select t transfer/pay t a Lan accunt then an additinal Payment Type ptin will display.

6 Services Funds Transfer Funds Transfer allws yu t transfer funds frm City Bank accunt t City Bank accunt r between a City Bank accunt and an accunt at anther financial institutin. Transfers between yur City Bank accunts will happen immediately after they are submitted. It must be submitted by 7:00 PM CST n business days fr same day credit. Transfers between yur City Bank accunt and accunts at ther financial institutins must be submitted by 1:00 PM CST n business days fr availability in 1-2 business days. T transfer funds fllw the steps belw: Chse Funds Transfer under the Services menu. Select a Frm Accunt and a T Accunt. If yu select t transfer/pay t a Lan accunt then an additinal Payment Type ptin will display. Select Standard Payment fr any standard payment t a lan r select Interest Payment t make additinal payments twards interest. Key in the dllar Amunt. One-time: Select the Date Recurring: T make the transfer/payment recurring then check the bx beside Make this a Recurring Transactin. Additinal ptins will display. Select the Transactin Frequency yu need. Select the Start Date and End Date. - Or select the check bx t Repeat Frever. Enter a Mem (ptinal) Click Transfer Funds t cmplete the transfer. 6

See Online Histry & Activity See all f yur nline past and sche duled activity in the Activity Center. Select Activity Center under Services.

Filters available: transactin type, status, accunt, date T see details abut a transactin click n the plus (+) sign t expand.

Submit a Stp Payment T submit a stp payment request: Click Stp Payment under the Services menu. Select r click Single Check r Multiple Checks.

7 See Online Histry & Activity See all f yur nline past and sche duled activity in the Activity Center. Select Activity Center under Services. T search transactins enter infrmatin int the search field and click Search. T filter activity, click Shw Filters t switch t the transactin filters. Filters available: transactin type, status, accunt, date T see details abut a transactin click n the plus (+) sign t expand. T send a message t the bank abut a specific transactin, click Inquire. T cpy the transactin and repeat the transactin click Cpy. Submit a Stp Payment T submit a stp payment request: Click Stp Payment under the Services menu. Select r click Single Check r Multiple Checks. Then select r click the Accunt. Enter the check number(s) and click Save. Enter the Payee Name and click Save. Enter the Amunt and click Save. Enter the Date Enter in a Reasn (ptinal) and click Send Request. 7

Rerder Checks T rerder checks: G t Check Rerder under Services. Select r Click the accunt. (1st time rder must be made thrugh City Bank) Cmplete yur check rder.

Crrect r change any infrmatin and then select all r sme f the accunts where the infrmatin shuld be changed.

8 Rerder Checks T rerder checks: G t Check Rerder under Services. Select r Click the accunt. (1st time rder must be made thrugh City Bank) Cmplete yur check rder. Submit a Change f Address T submit address, phne number, and address changes t the bank: Select r click Address Change ptin under Services. Crrect r change any infrmatin and then select all r sme f the accunts where the infrmatin shuld be changed. Add External Accunt T add an external accunt (checking r savings) at anther Financial Institutin: G t Add External Accunt under Services. Enter yur Accunt Number, Accunt Type, and Ruting Number. Click Cntinue. Tw micr depsits will be generated and sent t yur external accunt (typically within 5 business days). Micr depsits are randm depsits in amunts less than $1. Once yu have received these tw micr depsits in yur external accunt, make nte f bth amunts, as yu will need them later in step 2, the verificatin prcess. - Please Nte: Only dmestic (U.S.) banks are allwed. - If the micr depsits d nt appear in yur accunt within the specified timeframe, cntact the ther financial institutin t verify that yu are using the crrect ruting number, as sme institutins d nt use a single number fr all accunt types. 8

Select the Accunt t verify Enter the micr depsit Amunt #1 and Amunt #2. Then click Cntinue.

9 Verify External Accunt T verify the external accunt that was added thrugh the Add External Accunt prcess: G t Verify External Accunt under Services. Select the Accunt t verify Enter the micr depsit Amunt #1 and Amunt #2. Then click Cntinue. View Branch, ATM & Mrtgage Only Lcatins T view and search fr Branch, ATM, and Mrtgage Only lcatins: G t Lcatins under Services. 9

estatements View estatements & edcs T view yur estatements & edcs Click estatements Select the crrect tab fr the type f dcument yu wuld like t view.

10 estatements View estatements & edcs T view yur estatements & edcs Click estatements Select the crrect tab fr the type f dcument yu wuld like t view. Read, Reply, and Send Secure Messages T read, reply and send secure messages: Click Messages in the tp prtin f the menu. If there is a number beside Messages that is t indicate yu have new and unread secure messages. T read a message select r click the desired message. Settings Change Accunt Nicknames & Display Order T change the accunt display r nickname and change the display rder: Click r select Accunt Preferences under Settings. T rename an accunt, enter the nickname fr the accunt belw the accunt number. T change the display rder f the accunts, enter the number fr the rder yu wuld like the accunts t display. 10

Change yur passwrd, lgin ID, r Secure Access Cde Delivery Infrmatin T change yur passwrd: G t Security Preferences feature under the Settings menu.

11 Change yur passwrd, lgin ID, r Secure Access Cde Delivery Infrmatin T change yur passwrd: G t Security Preferences feature under the Settings menu. Click Change Passwrd Enter the new passwrd and click T change yur Lgin ID: G t Security Preferences feature under the Settings menu. Click Change Lgin ID Enter the new lgin ID and click submit T change the delivery methds fr Secure Access Cdes: G t Security Preferences feature under the Settings menu. Click Secure Delivery Click edit t edit existing infrmatin r click add t add new infrmatin. Security Alerts T add r change yur security alerts G t Security Alerts under Settings Click the n/ff switch t change the alerts Click Edit Delivery Preferences t change where the Security Alerts are sent.= Cash Management Adding, Editing, & Deleting Recipients T add a new Recipient: G t Recipients under Cash Management Select r Click Add Recipient Enter the Recipient infrmatin. Required fields are marked with an asterisk(*). Then select r click Add Accunt. A new tab fr Accunt will appear. Enter in the Accunt Details: Accunt type, Accunt Number, Ruting Number Wires Only: Enter the Beneficiary and Intermediary infrmatin. Then select r click Create Recipient. T edit a Recipient: G t Recipients under Cash Management Click the pencil icn near the Recipient t view the Recipient Details. Edit any Recipient details. Select r click Save Recipient. 11

T delete a Recipient: G t Recipients under Cash Management Select r click the pencil icn near the Recipient t view the Recipient Details.

Creating One-Time ACH Payments, Cllectins, & Payrll T create a new ne-time payment (ACH Payment, ACH Cllectin, ACH Payrll) G t Payments under Cash

Click New Payment select the type f payment yu want t create ACH Batch/Payment, ACH Cllectin, Wire, Payrll Select a previusly created Recipient(s) r

12 T delete a Recipient: G t Recipients under Cash Management Select r click the pencil icn near the Recipient t view the Recipient Details. Select r click Delete Recipient. Creating One-Time ACH Payments, Cllectins, & Payrll T create a new ne-time payment (ACH Payment, ACH Cllectin, ACH Payrll) G t Payments under Cash Management. Click New Payment select the type f payment yu want t create ACH Batch/Payment, ACH Cllectin, Wire, Payrll Select a previusly created Recipient(s) r Add Recipient (see Adding, Editing, & Deleting Recipients). T select a previusly created Recipient check the bx(es) beside the Recipient Name(s). If yu check the bx beside a Recipient that has multiple accunts t send/ pay mney t it will autmatically direct yu t a secnd screen t select the accunt(s). Select the Ntify check bx t send an ntificatin t the Recipient. Enter the Amunt t pay/send t the Recipient. Click Next. 12

Select the subsidiary by click the bx beside the

13 Select the subsidiary by click the bx beside the subsidiary name r clicking the subsidiary in the bx. Click Next. Select r Check the bx beside the accunt the item will cme frm r g t. Click Next. Review the summary f yur payments. Select the Effective Date. Click Apprve. The payment(s) has been submitted. 13

Creating a Wire Payment T create a new ne-time Wire payment G t Payments under Cash Management.

Recipient (see Adding, Editing, & Deleting Recipients).

- Select the Ntify check bx t send an email ntificatin t the Recipient. - Enter the Amunt t pay/send t the Recipient.

14 Creating a Wire Payment T create a new ne-time Wire payment G t Payments under Cash Management. Click New Payment select the type f payment yu want t create Wire - Select a previusly created Recipient(s) r Add Recipient (see Adding, Editing, & Deleting Recipients). - T select a previusly created Recipient check the bx(es) beside the Recipient Name(s). - Select the Ntify check bx t send an ntificatin t the Recipient. - Enter the Amunt t pay/send t the Recipient. - Click Next. - Select r Check the bx beside the accunt the item will cme frm r g t. - Click Next. - Review the summary f yur wire payment. - Select the Effective Date. - Enter a Descriptin (ptinal). - Click Apprve. - The wire payment has been submitted. 14

Creating a Payment frm File T create a payment frm file G t Payments under Cash Management. Click New Payment select Payment frm File. Select the Payment Type.

15 Creating a Payment frm File T create a payment frm file G t Payments under Cash Management. Click New Payment select Payment frm File. Select the Payment Type. Click Select a file t imprt and the Open dialg bx appears. In the Open dialg bx, lcate the file that yu want t uplad, and click Open. (The prcess t lcate the file varies, depending n yur device) Click r Select Uplad File. Select the Pay Frm/Pay T accunt. Select the Subsidiary (ptinal). Select the Effective Date. Click Submit. Creating a Reusable Payment Template T create a Reusable Payment template fr ACH Batches/Payments, ACH Cllectins, Wires, and ACH Payrll. G t Payments under Cash Management. Click New Template and select the Type f template yu wuld like t create. Enter a Template Name Select which Cmpany User s will have access t the Template. Click Next. 15

T select a previusly created Recipient check the bx(es) beside the Recipient Name(s).

Enter the Amunt t pay/send t the Recipient. Click Next.

Click Next Select r Check the bx beside the accunt the item will cme frm r g t. Click Next.

16 T select a previusly created Recipient check the bx(es) beside the Recipient Name(s). Select the Ntify check bx t send an ntificatin t the Recipient. Enter the Amunt t pay/send t the Recipient. Click Next. Select the subsidiary by click the bx beside the subsidiary name r clicking the subsidiary in the bx. Click Next Select r Check the bx beside the accunt the item will cme frm r g t. Click Next. Review the summary f yur payment template. Select the Effective Date. Click Apprve. The template and payment has been submitted. The template can be reused fr future payments that will be similar. 16

Manage Cmpany Users T manage the access levels f cmpany users G t User Management under Services. Click the pencil icn ( ) by the user name t edit the user.

17 Submit State r Federal Tax Payments T submit a tax payment G t Tax Payments under Cash Management. Select the Tax Authrity frm the drp-dwn list r type in the search bx t find the crrect tax frm needed. Enter the Required Infrmatin Click Submit. Manage Cmpany Users T manage the access levels f cmpany users G t User Management under Services. Click the pencil icn ( ) by the user name t edit the user. A new page will display the user infrmatin. This infrmatin can nly be edited by City Bank. T edit the user rights click Assign Rights. The Overview tab cntains the rights and apprval limits fr each transactin type. Each transactin type has the fllwing limits per user: Dllar Limit Number and Dllar amunt per day Number and Dllar amunt per mnth Number and Dllar amunt per accunt. 17

Levels f transactin apprval: Draft - Create a draft, create a template - Create a draft based n an assigned existing template, and change the amunt, settlement date, and descriptin.

Apprve - Apprve a draft - Cannt apprve a draft Cancel - Cancel an existing draft r an apprved but unprcessed transactin.

18 Levels f transactin apprval: Draft - Create a draft, create a template - Create a draft based n an assigned existing template, and change the amunt, settlement date, and descriptin. - Cannt create a draft and transactin type des nt appear in the New Payments list. Apprve - Apprve a draft - Cannt apprve a draft Cancel - Cancel an existing draft r an apprved but unprcessed transactin. - Cannt cancel View - Can view activity by all users - Can view their wn activity. Cannt view activity by any ther users. - Cannt view activity by any user. The Features tab cntains the list f the features assigned t the user. Features Available: - Manage Templates Create new templates f any transactin type, edit any existing templates f any transactin type, and delete any exisiting templates. - Manage Recipients create, edit, and delete recipients. Add exisiting recipients t templates, and remve existing recipient frm templates. - Manage Users edit users. - Statement Image View statement images. - Verify External Accunt - Add External Accunt - Psitive Pay - Business Bill Pay - Mney Manager PFM - Gift Card Management - Bill Pay 18

The Accunts tab cntains the list f accunts that the user can access. The User can have the fllwing levels f access t each accunt. View view balance and histry fr the accunt in nline banking.

Tkens City Bank requires that all Cash Management custmers that have access t send Wires r ACH items utilize a tken at the transactin level.

Symantec Validatin & ID Prtectin (VIP) prtects yur nline accunts and transactins.

19 The Accunts tab cntains the list f accunts that the user can access. The User can have the fllwing levels f access t each accunt. View view balance and histry fr the accunt in nline banking. Depsit depsit funds int the accunt in nline banking. Withdraw Withdraw funds frm the accunt in nline banking. Tkens City Bank requires that all Cash Management custmers that have access t send Wires r ACH items utilize a tken at the transactin level. Fr yur cnvenience, we give three ptins n the type f tken each user at yur cmpany can use. The three ptins are Symantec VIP Access Desktp, Symantec VIP Access Mbile App, and Symantec VIP Physical Tken. Symantec Validatin & ID Prtectin (VIP) prtects yur nline accunts and transactins. The VIP credential prvides a dynamic security cde that yu can use in additin t yur user name and passwrd fr safe and secure accunt access and transactin submissin. Several ptins are available fr yu t select t utilize as a tken. See the ptins belw. Symantec VIP Access Desktp Symantec Validatin & ID Prtectin (VIP) Access Desktp is a free nline security credential that yu can dwnlad t yur cmputer desktp (Windws r MAC). Hw des VIP Access wrk? VIP Access helps prtect yur accunts and yur identity by requiring a higher level f security when yu cnduct nline transactins. Nte the six-digit security cde in VIP Access Desktp after yu Sign In t a VIP Participating Organizatin. Enter the security cde in the field prvided by the site fr secure accunt access. T use Symantec VIP Access Desktp: G t Dwnlad the apprpriate versin (Windws r MAC) Cmplete the installatin. Send the Credential ID t the bank in a secure message in Online Banking. 19

Symantec VIP Access fr Mbile (Andrid, Windws, iphne, ipad, Blackberry, Other) Symantec Validatin & ID Prtectin (VIP) Access fr Mbile is a free nline security credential that yu can dwnlad t yur mbile

20 Symantec VIP Access fr Mbile (Andrid, Windws, iphne, ipad, Blackberry, Other) Symantec Validatin & ID Prtectin (VIP) Access fr Mbile is a free nline security credential that yu can dwnlad t yur mbile device. Hw des VIP Access wrk? VIP Access helps prtect yur accunts and yur identity by requiring a higher level f security when yu cnduct nline transactins. T use VIP Access, launch the VIP Access applicatin frm yur mbile device, and nte the six-digit security cde. Then, Sign In t participating nline banks and merchant sites frm yur laptp r desktp cmputer with yur user name, passwrd, and the unique security cde. T use Symantec VIP Access Mbile: G t r yur phne s app stre and search fr VIP Access Dwnlad the apprpriate versin t yur phne Send the Credential ID t the bank in a secure message in Online Banking. Symantec VIP Physical Tken Symantec Validatin & ID Prtectin (VIP) Security Tken is an nline security credential that adds an extra layer f identity prtectin when yu Sign In t participating nline banks and merchant sites within the VIP netwrk. VIP Security Tkens are prtable devices that can easily be attached t yur keychain. Hw des a VIP Physical Tken wrk? A VIP Security Tken prtects yur accunts and yur identity by requiring a higher level f security when yu cnduct nline transactins. T use a VIP Security Tken, press the buttn n the tken t generate a six-digit security cde that is unique t yur credential. Then, Sign In t participating nline banks and merchant sites with yur user name, passwrd, and the unique security cde. T use Symantec VIP Access Physical Tken: Cntact the bank via secure message r send an request t esg@city.bank 20

21 Mney Manager This guide will walk yu thrugh the different features f the Master Widget and give yu tips that will help yu wrk mre quickly. Available functinality depends n the sftware cnfiguratin determined by yur financial services prvider. All aspects f the user guide may nt apply. We recmmend fllwing the belw steps when first using the Master Widget: Add all f yur external accunts. G thrugh yur transactin histry and make sure everything is categrized crrectly. Set up yur budgets. Transactins 21

22 Spending Budgets 22

23 Trends Debts 23

24 Net Wrth If yu want t add mre accunts in the future g t the Accunts view and click n [+ ADD AN ACCOUNT]. When yu ve finished adding accunts, click n settings and fill ut yur prfile and clse the windw. 24

25 Navigatin Bar The navigatin bar is lcated at the tp f the Master Widget. Click n an icn t switch t that view. The navigatin bar als cntains ntificatins, Manage Institutins, Help and settings capabilities. Users will see ntificatins as part f the PFM thrugh the Ntificatin Pane. A red badge will indicate the number f unread ntificatins. Financial Alerts will be delivered thrugh the Ntificatins Pane in additin t the current delivery channel. These alerts are Budget Exceeded and Debt Payment Reminder. When clicked, the Ntificatins Pane icn will shw the user s ntificatins, in chrnlgical rder, with the mst recent at the tp. 25

institutin Icn will ntify yu if there is a prblem with a cnnectin t a financial institutin.

26 Clicking n a ntificatin will take the user directly t the relevant part f the PFM. In the case f clicking n a budget exceeded ntificatin, a user will be taken directly t that budget: The Manage institutin Icn will ntify yu if there is a prblem with a cnnectin t a financial institutin. Users will be presented with suggested steps t help reslve the issue. With the Need Help? ptin always present, users can easily submit a supprt tickets fr any uses they may be having. 26

27 Settings Click n the settings icn t change yur prfile infrmatin, add r remve a mbile device, and manage yur alert settings. 27

Accunts In the Accunts View, yu can see all f yur linked and

On the left hand side, the sums f accunt balances are displayed

If an accunt is indicated as Prepaid in the feed, we will display

28 Accunts In the Accunts View, yu can see all f yur linked and manually created accunts in ne place. On the left hand side, the sums f accunt balances are displayed by type. If an accunt is indicated as Prepaid in the feed, we will display it in the list f accunt types in the Accunts widget. When there is at least ne prepaid accunt, this ptin will shw as an ptin in the list f accunt types: 28

If an accunt type is empty, clicking n the relevant area will prmpt yu t add an accunt. Add an Accunt 1. Click n the [+Add an Accunt] buttn n the sub navigatin bar. 2.

29 If an accunt type is empty, clicking n the relevant area will prmpt yu t add an accunt. Add an Accunt 1. Click n the [+Add an Accunt] buttn n the sub navigatin bar. 2. Search by the institutin s name r URL. The use desn t need t wait fr an accunt t successfully cnnect befre they can start adding their next accunt. If the user needs t take actin (answer MFA questins, update credentials), the prduct will ntify them. 29

If yu have a mrtgage, yu shuld enter in the value f yur hme s it will balance ut yur net wrth.

30 3. Select the institutin frm the list and enter the request lgin credentials. 4. If yur accunt is nt supprted, yu can add a manual accunt by clicking ADD A MANUAL ACCOUNT. Yu can als add yur prperty as a manual accunt. If yu have a mrtgage, yu shuld enter in the value f yur hme s it will balance ut yur net wrth. Yu can als enter in the value f any vehicles r ther prperty that yu wuld like t have calculated int yur net wrth. Edit an Accunt On the right side yu can view individual accunts within each accunt type. Each accunt card displays the name, balance, APR/ APY, and a recent trending graph f yur accunt balances. 30

31 Click n an accunt card t edit infrmatin. An verlay will appear, displaying infrmatin fr the selected accunt. Yu can change the type r name by clicking n the desired field. Yu can als mark an accunt as business r persnal. New transactins assciated with this accunt will be autmatically flagged accrdingly. Fr manual accunts, yu can als change the balance. The link status sectin will let yu knw when the accunt was last updated. Belw that, yu can view a six mnth histry f the average accunt balance. Nte: T view transactin histry, click n the Transactins buttn at the tp f the navigatin bar and select the accunt(s) yu wish t see assciated transactins fr. Delete an Accunt 1. Click n the trashcan icn in the bttm right hand crner. 2. Click Delete. Nte: Yu cannt delete an accunt added by yur primary institutin. 31

institutin. These accunts cannt be deleted, hwever, they can be excluded. 1.

32 Exclude an Accunt Fr certain accunts a delete ptin will nt be available. If the trashcan icn des nt appear this means that the accunt was autmatically added by yur primary institutin. These accunts cannt be deleted, hwever, they can be excluded. 1. In the accunt detail view, click n [Exclude Accunt] 2. An alert will appear asking yu t cnfirm if yu want t exclude the accunt. Click [Exclude] 32

This essentially deletes the accunt with the ptin t re-include it in the future if

33 Excluding an accunt hides that accunt, its transactins, and its balance frm the sftware. This essentially deletes the accunt with the ptin t re-include it in the future if it ever becmes necessary. Example f excluded accunts: When yu click n an excluded accunt, the belw windw will appear. Click n [Re-include this accunt] t re-include. 33

This may be necessary if, fr example, a bank sends a different name fr the same accunt, making it seem as thugh

34 Merging Accunts If a user has duplicate accunts, they can nw mark an accunt as duplicate frm the accunt details view and merge it with anther accunt. It will require them t type the wrd MERGE t cmplete the prcess. This may be necessary if, fr example, a bank sends a different name fr the same accunt, making it seem as thugh there are tw accunts, r if a user has t replace a lst r stlen card. Only accunts within the same cnnected institutin can be merged. 34

35 View Transactin Yu can drill dwn t transactins frm either the main accunt card r the accunt detail view by clicking n a specific mnth in the accunt histry bar graph. 35

Manage Institutins Click the Manage Institutins icn t view all cnnectins with yur institutins. In the windw that appears, yu will be able t see the status f yur cnnectins.

36 Manage Institutins Click the Manage Institutins icn t view all cnnectins with yur institutins. In the windw that appears, yu will be able t see the status f yur cnnectins. Yu will als have the ability t refresh a cnnectin, re-enter in yur credentials r delete the accunt (if it is an external accunt). When accunts are refreshing, a spinner will appear n the Manage Institutins icn. Linked Accunt Status Alng with the Manage Institutins view, there are a cuple f ther areas that will alert yu when an accunt has failed t cnnect. In the All Accunts view, if an accunt has failed aggregatin, an exclamatin mark will appear in the upper right hand crner f the accunt card. 36

37 In the accunt detail view, a red warning message will appear in the Link Status sectin if an errr has ccurred with yur accunt cnnectin. It will either say Smething went wrng, r Lgin infrmatin prvided was incrrect. Click n the message t attempt aggregatin again r update yur credentials. 37

windw by selecting the start and end date.

38 Transactins The Transactins View prvides a cnslidated list f all transactins frm every institutin rdered by time. Yu have the ability t select a different time windw by using the sub navigatin bar, r yu can create a custm time windw by selecting the start and end date. Yur first time viewing transactins, yu shuld already have a transactin histry. The exact amunt f histry retrieved varies by institutin. We will cntinue t save yur histry mving frward. 38

39 Srting and Searching Transactins The Transactins View allws yu t srt by Date, Payee, Categry, Accunt, r Amunt by clicking nce n the clumn heading. Click again t reverse the rder. Yu can als search by any f these fields in the search windw. Date The date f the transactin. This will match the date frm yur financial institutin, but may nt match the actual date f purchase. Payee The descriptin frm yur institutin. Yu can rename the transactin as needed. Categry The budget/spending categry fr the transactin. Accunt The accunt a transactin belngs t. Amunt The ttal amunt f a transactin. Green indicates an incme r credit transactin. Categrize Transactins When yur transactins are pulled in, they will autmatically be categrized. Yu may ntice several transactins that are categrized incrrectly. We take int accunt hw ther users have categrized similar transactins in the past and hw yu have categrized similar transactins. Fr example, itunes will cme in as Music. If yu g t a small lcal vendr that n ther users have been t befre, we may try and guess the categry r simply mark it as uncategrized. We encurage yu t g thrugh yur transactins histry and check that each transactin is categrized crrectly. If yu d that frm the very beginning, we will autmatically categrize yur new transactins mre accurately. T d s, click n the desired transactin and an verlay will appear. 39

40 Select the arrw n the right hand side f the Categry drp dwn menu. Yu can select frm a list f categries r sub-categries beneath them. Just click n the categry and yur change will be reflected acrss the Transactins, Budgets, and Spending Views. Edit Transactins Alng with changing the categry, there are several ther things that yu can d within the same verlay. Add tags fr later searching Add a mem t remind yurself f details such as the reasn behind the purchase Edit the amunt (fr manual accunts nly) Edit the Transactin Type (Incme r Expense) Edit the payee Edit the date Flag a transactin Business, Persnal, r Flagged Split a transactin 40

41 If the user has changed the date n an aggregated transactin, the ptin t revert back t the riginal date will appear n the transactin details card. When a transactin date has been changed, there will be an underline n the date in the transactin list. A tltip will display the riginal date when yu hver ver the changed date. 41

42 Split a Transactin Yu can split a transactin multiple times. Click n the desired transactin. Click n + Split This Transactin n the side f the verlay. Yu can edit the Amunt, Categry, Tags, and Flags. Click n Save when yu are dne. 42

43 T delete a split, click n the transactin that is split. Click n the trashcan icn lcated at the side f the verlay. Click DELETE. 43

screen, as shwn belw in the lwer right: When a user

44 Delete a Transactin Users will be able t delete a pending transactin directly frm the transactins screen, as shwn belw in the lwer right: When a user clicks Delete This Transactin, they ll see this prmpt: 44

Als nte that in sme cases the transactin may reappear when the transactin clears the pending prcess.

45 If the user clicks DELETE, the transactin wn t shw in their feed any mre. Nte that this ptin in nly available fr pending transactins. Als nte that in sme cases the transactin may reappear when the transactin clears the pending prcess. Users will als have the ability t exclude transactins that have cleared, as shwn belw in the right-hand clumn: When a user clicks Exclude Transactin, they ll see this prmpt: 45

If a user clicks EXCLUDE, the transactin will be greyed ut n the transactin list, and it wn t be calculated in budgets, spending, debts, trends, transactin, net wrth and gals.

46 If a user clicks EXCLUDE, the transactin will be greyed ut n the transactin list, and it wn t be calculated in budgets, spending, debts, trends, transactin, net wrth and gals. If a user clicks a greyed-ut transactin, they will have the ptin t re-include it: When a transactin is re-included it will functin exactly like any ther transactin. It will nce again be calculated int the ther features f the sftware. 46

47 Exprt t CSV This functin allws yu exprt transactins as a CSV file. This type f file can be pened by, and used with, several different applicatins. Clicking n the Exprt CSV buttn will exprt all transactins in the current transactin list view, taking int accunt all transactin list filters (date range, search, etc.) Add a Manual Transactin T add a manual transactin, click n [+Add Transactins] n the sub navigatin bar. Chse the apprpriate manual accunt; enter in the amunt, transactin type, payee, date, and categry. Additinally, yu can add any tags fr later searching, add a mem n the transactin, r set transactin flags. Click n SAVE when yu are dne. 47

48 Pending Transactin If an incming transactin is marked as pending by the data feed, it will nw be shwn at the tp f the transactins list in italics. Transactins cannt be edited while pending. 48

Budgets The Budgets View presents a targeted display f yur spending and yur

Yur spending is nly tracked in categries where yu have already created a budget.

have the sftware aut generate budgets based ff f yur spending histry.

49 Budgets The Budgets View presents a targeted display f yur spending and yur prgress t hitting yur verall budget each mnth. Yur spending is nly tracked in categries where yu have already created a budget. When yu first use the Budgets View, yu will have the ptin t start frm scratch r have the sftware aut generate budgets based ff f yur spending histry. If yu chse t start frm scratch the sftware will present a menu f categries t chse frm. Chse a categry then set the budget amunt. 49

50 If yu chse t have the sftware aut generate yur budgets, it will display a list f budget categries and amunts based ff f yur spending histry. Make sure t g thrugh the list and edit the amunts if necessary. If yu dn t want a specific budget tracked, simply click n the [trashcan icn] and cnfirm by clicking [DELETE THIS BUDGET] in the alert. Click n [SAVE BUDGETS] nce yu are dne. 50

Bubble Budgets After yur budgets are created, mving frward, by

Yu will als have the ability t view and edit yur prjected incme within

51 Bubble Budgets After yur budgets are created, mving frward, by default, yur budgets will be shwn in the bubble frm. Yu will als have the ability t view and edit yur prjected incme within budgets, helping the user t make budget decisins that balance with their incme. Prjected incme is calculated based n transactin histry; hwever, the user can als edit this number manually. T edit the prjected incme, click n the amunt: 51

52 Click n [View as List] in the sub navigatin menu t switch t the list view. The Bubble Budgets View allws yu t see bth the health and the imprtance f yur budgets simultaneusly. Green belw 80% budget Yellw mre than 80% f the budget has been used Red spending fr a budget has exceeded 100% The size f the bubble is relative t the amunt, and exact prgress will be shwn n the utside rim f the bubble. Bubbles can als be dragged fr cmparisn. 52

Clicking n a bubble will display current child budgets. Yu will have the ability t add additinal child budgets (if mre are available) r even delete the parent budget.

53 Clicking n a bubble will display current child budgets. Yu will have the ability t add additinal child budgets (if mre are available) r even delete the parent budget. Clicking n a child budget will center the fcus there. This will allw yu t delete the budget, edit the amunt, r view assciated transactins. Users n nn-tuch devices (such as a desktp device) will have the ability t edit budgets by simply typing in the budget amunt using their keybard. 53

If yu are n a tuch device yu can edit the budget by tapping n the pencil icn

54 T help users make mre infrmed budgeting decisin, they will nw be able t see their histrical spending while creating r editing a budget. If yu are n a tuch device yu can edit the budget by tapping n the pencil icn abve the bubble, yu will be able t change the budget ttal by turning the dial left r right. 54

Nte: If yu increase yur child budget t an amunt that is greater than yur parent budget, the belw message will display and the parent budget will be adjusted t match the sum f its children.

55 Nte: If yu increase yur child budget t an amunt that is greater than yur parent budget, the belw message will display and the parent budget will be adjusted t match the sum f its children. Clicking the bubble will display a list f all transactins within the related categry. List View The clred bars represent the status f yur budget: Green belw 80% budget Yellw mre than 80% f the budget has been used Red spending fr a budget has exceeded 100% 55

56 Add a Budget T add a budget, click n the [+Add a budget] n the sub navigatin bar, and select any spending categry. Nte: creating a child budget will autmatically create a budget fr its parent categry. The budgeted amunt fr the parent categry will be the sum f its child budgets. The bar at the tp will display mnthly prgress fr the sum f all budgets. 56

Yu can access transactin details and recategrize transactins here just like

57 View/Edit Budget Transactins Clicking n budget will display a list f all transactins within the related categry. Yu can access transactin details and recategrize transactins here just like in the Transactins app. Click n the Overall Budget bar in the main view t see all f yur budget categry transactins. 57

58 TRENDS The Trends graph is helpful fr users wh want t see spending trends ver time. It shws a 6-mnth histry f spending by categry alng with a green line shwing incme. This way, a user can quickly determine if they are spending mre than they are making. Users can chse t shw r hide their incme, represented by the green line. 58

Clicking a categry area in the graph will allw a user t drill dwn int

59 Hvering ver a clred area will shw the actual spending in each categry fr the mnths displayed. Clicking a categry area in the graph will allw a user t drill dwn int the selected categry, shwing any relevant subcategries. In this example, a car repair in September caused the visible spike: 59

60 Clicking any f the circle data pints will display a list f transactins fr the selected categry. Here we see all the gas transactins fr Octber: NET WORTH The Net Wrth View tracks the net sum f all yur assets and liabilities ver the past year. The dts n the graph represent yur net wrth fr each mnth; the lines n the graph represent the change in yur net wrth frm mnth t mnth. Hver yur muse ver a dt r line t display ttal net wrth fr that mnth. 60

within each f yur accunts during that mnth.

61 Click n a circle t see hw yur net wrth went up r dwn. A windw will appear shwing the amunt f change that ccurred within each f yur accunts during that mnth. If yu click n ne f these accunts and the assciated transactins will appear. 61

62 Yu can adjust the time frame by clicking n the drp dwn menu n the sub navigatin bar. When yu first use Net Wrth, it may nt accurately represent yur spending histry, but the sftware will save yur data mving frward. Als, be sure t create manual prperty accunts, like hme r aut value, in the Accunts View t increase yur net wrth accuracy. DEBTS The Debts View is a pwerful tl that allws yu t see all f yur debts in ne place and practively determine an expedited payff plan. The main view is the trending graph fr paying ff all f yur debt. Hvering yur muse ver a sectin f the graph will shw hw much yu will we based n the current prjectin. Additinally, the clrs in the graph crrespnd t the numbers beside the debts belw. Payff dates and the amunt yu save are autmatically calculated by the details yu input fr each debt. The dtted line reflects time and mney savings frm using the Snwball methd. 62

63 Within the Debts balln, users can see hw Snwball helps them pay dwn their debt mre quickly. Bth the amunt and time saved are prminently displayed alng with educatin f what the Snwball methd is. 63

Click n an accunt t edit details and view an individual payff graph. Hver yur muse ver a sectin f the graph t see hw much yu will we based n the current prjectin.

64 If yu want t see what will happen when yu put extra mney twards yur debt yu can enter that in the Extra Payment Tward Debt bx. The graphs will re-adjust and shw yu hw much interest yu wuld save by accelerating yur payff timeline with the extra mney yu put twards yur debt. Click n an accunt t edit details and view an individual payff graph. Hver yur muse ver a sectin f the graph t see hw much yu will we based n the current prjectin. Nte: Sme institutins may nt send ver details such as the interest rate and minimum payment. The sftware will make its best guess n what these figures shuld be, but always duble check and enter in the crrect infrmatin. 64

Lastly, if yu dn t want t use the Fastest Payff First methd, yu can set the pririty t Highest Interest First, Lwest Balance First, r Highest Balance First by clicking n the drp dwn menu in the sub

Yur additinal amunt twards yur debts is applied in that rder as yu pay ff yur debts. Highest Interest First - Debts are rdered frm yur highest APR t the lwest APR.

65 Lastly, if yu dn t want t use the Fastest Payff First methd, yu can set the pririty t Highest Interest First, Lwest Balance First, r Highest Balance First by clicking n the drp dwn menu in the sub navigatin bar. Fastest Payff First Yur debts are rdered by which debt yu will pay ff snest (based n balance, APR, and minimum payment). Yur additinal amunt twards yur debts is applied in that rder as yu pay ff yur debts. Highest Interest First - Debts are rdered frm yur highest APR t the lwest APR. Yur additinal amunt twards yur debts is applied in that rder as yu pay ff yur debts. Lwest Balance First Debts are rdered by balance amunt frm Lwest t Highest. Yur additinal amunt twards yur debts is applied in that rder as yu pay ff yur debts. Highest Balance First Debts are rdered by balance amunt frm Highest t Lwest. Yur additinal amunt twards yur debts is applied in that rder as yu pay ff yur debts. GOALS Gals tl helps users plan and visualize lng-term financial bjectives such as saving fr a hme fr paying ff a debt. Gals autmatically calculates hw lng it will take t cmplete each gal and maps it n an interactive timeline, making ti easy ti see at a glance hw clse a user is t his r her bjectives. Gals can be accessed frm the main MneyDesktp Menu 65

Gals First-Time User Setup Frm the beginning, gals helps users create the right plan by walking them thrugh their mst imprtant financial bjectives, much like a financial cach.

66 Gals First-Time User Setup Frm the beginning, gals helps users create the right plan by walking them thrugh their mst imprtant financial bjectives, much like a financial cach. Step 1: Setting up budgets- the first step in any financial plan is understanding hw much mney is cming in and hw much is ging ut. Step 2: Establish an emergency Fund- every financial plan needs a plan fr the unexpected. Step 3: Pay dwn debts- gals makes is easy t establish gals t pay dwn cstly debts, a tp pririty in any financial p Available fr Gals and cmpletin dates: The Gals tl is designed t calculate cmpletin dates autmatically based n 1) the balance f the accunt linked t the gal. 2) A user s amunt f mney available fr gals ever mnth and 3) the rder f pririty f the gal. 66

The Available fr Gals amunt is displayed in the upper left f Gals and is calculated

It is equal t the budgeted incme minus the budgeted expenses.

the gal frm the Organize submenu in the upper right.

67 The Available fr Gals amunt is displayed in the upper left f Gals and is calculated using infrmatin frm the Budgets tl. It is equal t the budgeted incme minus the budgeted expenses. Priritizing Gals: Users can change the rder f their gals by simply dragging and drpping the gal frm the Organize submenu in the upper right. Gals will autmatically recalculate based n the new pririty. Add a Gal: When users are ready t add anther gal, they simply click n the + in the sub-menu and are walked thrugh adding a Save fr r Pay ff gal 67

Bill Pay Bill Pay Enrllment T enrll in Bill Pay Select Bill Pay Enrllment under the Settings menu. Select at least ne accunt yu wuld like t add t Bill Pay. - Click Enrll in Bill Pay.

Add an Individual Payee T add a new Individual Payee Click Add a Payee Select the type Individual and click Next Select Hw yu wuld like t send the payment.

68 Bill Pay Bill Pay Enrllment T enrll in Bill Pay Select Bill Pay Enrllment under the Settings menu. Select at least ne accunt yu wuld like t add t Bill Pay. - Click Enrll in Bill Pay. Adding Payee s Add a Cmpany Payee T add a new Cmpany Payee Click Add a Payee Select Pay a Cmpany and click Next. Enter the necessary infrmatin t cmplete the additin f a Cmpany Payee. Add an Individual Payee T add a new Individual Payee Click Add a Payee Select the type Individual and click Next Select Hw yu wuld like t send the payment. Allw them t prvide their banking infrmatin (electrnic) I have their bank accunt infrmatin (electrnic) Mail a check Allw them t prvide their banking infrmatin (electrnic). Enter the payee s First Name, Last Name, Address, Nickname, Pay frm accunt Click Next 68

69 Create a keywrd The Keywrd is a passwrd yu create fr the payee. They will use this keywrd/passwrd when accessing ur secure website t submit accunt infrmatin. Be sure t share the Keywrd with the payee right away. Select a phne number r address t receive a ne-time activatin cde Click Next Enter the Activatin Cde Click Next Yu have successfully added a new Individual Payee. Payee will be sent an with a link where they must enter: Keywrd and Accunt Infrmatin. NOTE: Payments cannt be scheduled until the payee cmpletes this prcess The payee has nine days t enter their keywrd and accunt infrmatin. Payee Lcked Out The payee can be lcked ut fr entering the keywrd incrrectly three times. After the third lckut (nine ttal failed attempts) the payee will be deleted. After the initial lckut (three failed attempts), the system will autmatically unlck the payee after 24 hurs. T unlck the payee: Click Attentin Required Click Unlck beside the payee yu wuld like t Unlck 69

70 If yu select I have their bank accunt infrmatin (electrnic). Enter the Payee s infrmatin Click Next Select a phne number r address t receive a ne-time activatin cde Click Next Enter the Activatin Cde Click Next Yu have successfully added a new Individual Payee If yu select Mail a check Enter the requested infrmatin 70

Select a phne number r email address t receive a ne-time activatin cde Click Next Enter the Activatin Cde Click Next Yu have successfully added a new Individual Payee Add a Bank r Credit Unin Payee T

71 Select a phne number r address t receive a ne-time activatin cde Click Next Enter the Activatin Cde Click Next Yu have successfully added a new Individual Payee Add a Bank r Credit Unin Payee T add a new bank r credit unin Payee Click Add a Payee Select the Payee Type Select the type bank r credit unin and click Next Select the accunt type (Lan, Credit Card, Checking, Savings) Enter the necessary infrmatin Click Next Select a phne number r address t receive a ne-time activatin cde Click Next Enter the Activatin Cde Click Next Yu have successfully added a new Individual Payee Pending Payments View Pending Payments T view all the pending payments that are scheduled t prcess in the next 45 days see the right side panel titled Pending. 71

Edit a Pending Payment T edit a pending payment Click Edit beside the payment yu wuld like t edit Make any changes t yur payment and click Submit Cancel a

Submit Payment Histry T view payments that have been prcessed see the right side panel titled Histry.

72 Edit a Pending Payment T edit a pending payment Click Edit beside the payment yu wuld like t edit Make any changes t yur payment and click Submit Cancel a Pending Payment T Cancel a Pending payment Click Edit beside the payment yu wuld like t edit Check the bx beside I wuld like t stp this payment Click Submit Payment Histry T view payments that have been prcessed see the right side panel titled Histry. T view details n the prcessed payment, click View Payment Inquiry T submit a Payment Inquiry if a payment needs research Click Send a Payment Inquiry Payment Inquiries are sent t a special research department 72

Scheduling Payments Cutff & Prcess Times Electrnic: 7:00 AM CST & 2:00 PM CST Schedule a One-Time Payment T schedule a ne-time payment On the main page, lcate the Payee yu wuld like

Prcess Date: this is the day the funds will be pulled frm yur accunt fr electrnic payments and print the check fr draft checks.

73 Scheduling Payments Cutff & Prcess Times Electrnic: 7:00 AM CST & 2:00 PM CST Schedule a One-Time Payment T schedule a ne-time payment On the main page, lcate the Payee yu wuld like t schedule a payment fr Select the Pay frm accunt Enter the Amunt Select the Payment Prcess Date. Prcess Date: this is the day the funds will be pulled frm yur accunt fr electrnic payments and print the check fr draft checks. Delivery by Date: This is the date we anticipate the payment will be delivered t the payee. Click Pay Schedule a Recurring Payment T schedule a recurring payment On the main page, lcate the Payee yu wuld like t schedule a recurring payment fr. Select Make it Recurring Enter the Recurring payment infrmatin Click Submit 73

74 Manage Payees All payees are listed n the landing/main page f Bill Pay. Edit a Payee Click the name f the Payee Select Edit Payee Edit any necessary infrmatin Click Submit Delete a Payee Select the check bx beside I wuld like t delete this payee. Click Submit Add a Reminder Click the name f the Payee Click Add Reminder Select the Delivery Methd and Frequency Calendar The calendar prvides a snap sht view f the entire mnth s bill payment activity. The calendar is interactive and will allw yu t access yur reminders, pending transactins, and histry. 74

Accunt Enter the Accunt infrmatin Click Next View/Edit Persnal Infrmatin Review and edit address, phne numbers, and email addresses.

75 My Accunt The My Accunt tab can assist yu in managing yur bill pay accunt. Pay Frm Accunts View & Edit Pay frm Accunts Click the My Accunt tab Select View Accunts Click Edit t edit the pay frm accunt Add Pay Frm Accunts Click the My Accunt tab Select Add Accunt Enter the Accunt infrmatin Click Next View/Edit Persnal Infrmatin Review and edit address, phne numbers, and addresses. Click View/Edit Persnal Infrmatin Update the necessary infrmatin. Click Submit Bill Pay Alerts & Reminders Custmized cmmunicatins t keep yu infrmed n bill pay activities. Alerts Click the My Accunt tab Click View Alerts t add r edit alerts Reminders Click the My Accunt tab Click View Reminders t view all reminders that are setup. 75

Thrugh the ebill feature, yu are able t view current billing infrmatin, file yur bill, and set up autmatic payments.

76 ebill This feature allws yu t receive payment infrmatin fr eligible payees. This infrmatin includes but is nt limited t the minimum amunt due and due date fr yur bill. Thrugh the ebill feature, yu are able t view current billing infrmatin, file yur bill, and set up autmatic payments. ebill is nt available fr all Payee s. Setup ebill T setup an ebill fr a Payee Click Set up ebill (if available) Select the Accunt Type (if needed) Enter yur lgin credentials fr the payee s website Click Accept and Submit Click Set up recurring payment t setup recurring payments based n the ebill. 76

77 ebill Due When an ebill is due fr a payee the amunt due and due date are displayed under the Amunt and Payment Date. Trublesht ebill If Trublesht ebill is displayed under yur payee then yu need t click the link t crrect any issues with yur ebill. Yu may be asked t update yur lgin credentials fr the payee s website if they have recently changed. File ebill Yu have the ptin t file an ebill that yu have paid r if yu n lnger want t see the ebill Due status under the payee. T File the ebill Click File ebill t the right f the payee s name Select a Reasn Click Submit Schedule ebill AutPay Setup AutPay fr yur ebill Payees. Click Make it Recurring t the right f the ebill payee. Select When my new ebill arrives Select the ptins yu prefer Click Submit Edit ebill AutPay T edit a setup ebill AutPay Click Edit Recurring t the right f the ebill payee. Select the necessary ptins. 77

78 (800) Our Bank (800) city.bank 78

ONLINE BANKING USER GUIDE

ONLINE BANKING USER GUIDE citybanknline.cm Equal Husing Lender Member FDIC 2014 City Bank. All rights reserved. 1 Hme View List f Accunts & Balances... 5 View Accunt Transactins & Accunt Details... 5 Funds